Mortgage Payment Protection
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88% of all claims paid |
The true value of an insurance policy is only really known at the point of claim. Our insurer pays 88% of all claims, this is equal to the highest rates in the industry.
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No exclusion period for "new" mortgages and remortgages |
All mortgage protection policies will have a period at the start of the policy when it is not possible to make a claim. This is to prevent people who are aware of impending redundancy applying for a policy. Many insurers will waive this period for people who have taken out a new mortgage. Our insurer also waives this condition for people who buy a new policy within 30 days of remorgaging.
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Comprehensive unemployment conditions |
All insurance policies will cover involuntary redundancy. Most will not cover you if you lose your job because your boss gives you bad annual reports or you fail sales targets, irrespective of whether those targets are fair or not. As long as you do not volunteer to lose your job, and you are not sacked for gross misconduct, our featured policy will usually provide cover.
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Comprehensive accident and sickness conditions |
Many policies claim to cover conditions such as backache and stress. However within the detail of the insurance policy document it becomes apparent that these conditions will only be paid after specialist diagnosis. Our policy will provide cover on these conditions following diagnosis by your GP.
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No need to pay the premium during a claim |
Most of the policies in the UK require you to keep paying the premium during a period of claim. If you stop paying the premium, the insurer stops paying your claim. This policy pays for itself during a period of claim meaning you don't have to.
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Simple, clear policy document |
Many mortgage protection insurers rely on policy documents that typically run into excess of 10 pages. Our insurer covers everything on just 2 sides of A4. Look for yourself by clicking here.
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Insurance benefit paid in full |
The benefit from this insurance policy is not means tested. The majority of products on the market are linked to income or will restrict the benefit you receive if you hold more than one policy. This means that in the event of a claim the policy may not pay out in full. If you are able to claim on the policy it will pay out in full irrespective of any other benefit you may receive.
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Cover for contract workers |
| Many insurers will not provide cover for people who are employed via regular contracts. Providing your contract has been renewed within certain periods our insurer will provide cover. |
When you need to claim upon this policy the insurer will continue to pay the premium for you, meaning that you have cover when you return to work. |
This policy cannot be purchased direct from the insurer . We have no special contract or terms to sell this policy. We are at liberty to offer the products of an alternative insurer if we feel it is a better policy. |
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| As general insurance advisers, we are registered with the Financial Services Authority under number 227014.
We offer products from a range of insurers. Please note: Our recommended policy is not based upon individual appropriateness, but rather we feel that its features versus its cost currently make it the best policy on the market, in terms of quality and price. It is purchased as an execution only transaction.
We have refused to sell policies that we feel do not offer customers adequate protection. |
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