If you’re worried about not being able to work due to illness, an accident or if you lost your job, we can help. With access to Defaqto 5-star rated income protection policies, we can find out the right one so you’re able to keep up with your mortgage payments, living expenses and other regular outgoings.
We have access to a great range of first-class income protection insurance for every eventually and can quote for a suitable level of income protection that’ll give you complete peace of mind – without breaking the bank. With a range of short-term to long-term policies, we can find the one that will give you a regular income until you’re well enough to get back to work or until your policy ends.
If you would like to know the costings for a income protection policy or would like to talk to us about the type of cover you need, contact us. With mortgage and protection advisers nationwide, you are never too far from insurance help.
To find out more about income protection insurance, please read our FAQs below.
Have you ever thought about how you would pay your mortgage or rent and other essential outgoings if you lost your income due to an accident or serious illness? An income protection insurance policy will give you a regular income until you’re able to return to work again, retire or reach the end of the term.
If your employer will move you onto Statutory Sick Pay before you can return to work or if you’re self-employed and aren’t entitled to sick pay, income protection can provide the financial cushion you need to keep your important living expenses covered.
If you don’t have enough savings to support yourself during a prolonged sickness absence or you can’t manage on government benefits or financial support from your family, an income protection insurance policy will give you the peace of mind you need until you’re well enough to work again.
The costs of an income protection policy will depend on the type of policy you take out, the term, the percentage of your income you’d like to cover, the waiting period you choose and the injuries and illnesses you’ll want to be protected for. Your personal circumstances will also influence your policy premium – your age, occupation, health and habits, such as smoking and alcohol intake, will all be taken into account.
The best way to decide which income protection policy is right for you is to call Mortgage Decisions on 03454 500200 to talk to a protection expert or, for more information, click here.
For insurance business we offer products from a choice of insurers.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
With access to 1000s mortgages from over 90 high street lenders, we can help you find the right mortgage. Our five-star Google reviews back this up. Call us now and speak to a member of our experienced team.
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My request to renew my existing mortgage with Mortgage Decisions was superbly handled by David who is a most knowledgeable person. I was impressed with his professionalism and his attention to detail. The end to end process was explained throughout by David in particular the various options available to me. This is the second time that Mortgage Decisions have assisted with my mortgage and I wouldn’t hesitate in asking them again in the future.
BarneyI would recommend using Mortgage Decisions as they made the process of choosing my first mortgage so easy to understand . They were very knowledgeable on all the products available ,but mostly they were prompt . Thank you in-particular to Toby and Louis.
Lindsay BAs a first time buyer, I was in the dark on how the process worked but having the support Beccy and Mark throughout made our journey a lot easier. Both friendly, approachable and knowledgeable a broker. I would recommend.
Jonathan PThroughout my process I have liaised with Toby and Louis. Always professional, friendly and informative every step of the way. Keeping me updated at all times in what is a most exciting time for me. Am so very grateful. Thankyou!!!
CarolineExcellent service with friendly staff who help you every step of the way. Russell and Max have been fantastic, professional and understanding throughout the process. Thoroughly recommend!
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