Protect your lifestyle

Protect your lifestyle trading style of The mortgage market.

Protect you & your family

Something we should always consider when taking out a mortgage is how are you going to protect you and your family should the worst happen.

We insure our cars, our pets, our homes’ contents and even our mobile phones, but all too often we decide not to insure the most important thing –ourselves

Planning for the worst

What would happen if you were unable to work due to accident, serious illness or even death, we cannot predict the future we don’t know when, or where or how but we can prepare ourselves for the unthinkable to happen and give ourselves peace of mind that our loved ones are going to be protected.

By planning for the unforeseen you can make sure that you can still pay your mortgage, that you have enough money to cover your everyday living costs, that your family’s lifestyle will not be affected.

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Insurance products The Mortgage Market advise on

Life Insurance

Life insurance pays out a lump sum to your spouse or dependents in the event of your death.

There are two basic types of term life insurance policies:

Level Term

Level term means that the death benefit stays the same throughout the duration of the policy

Decreasing term

Decreasing term means that the death benefit drops, usually in one-year increments, over the course of the policy’s term. This is a good fit to cover a repayment mortgage, so the amount of life cover decreases as your mortgage decrease over the term. A decreasing life insurance policy is generally cheaper than a level term policy.

Critical Illness Cover

Critical Illness cover provides you with a lump sum payment in the event of you being diagnosed with a Critical Illness, this protection covers for areas like Cancer, Heart attack, Stroke along with many more. You can use the cash payment however you like and it can be taken out on a level basis or a decreasing basis you wanted to use it to cover your mortgage.

Income Protection

Income protection will pay out a regular monthly amount should you be unable to work due an accident or sickness. It will be based on a proportion of your yearly salary and will enable you to continue to be able to afford your mortgage payments and your day to day living expenses.

Income protection is especially important for those who are self employed who don’t have the benefit of sick pay should they be unable to work for a period of time.

Family Income Benefit

Family Income Benefit pays out in the event of death, but instead of a one-off lump sum payment it pays a regular monthly amount until the end of the policy term. This can be a suitable for people who would rather that their dependents receive a regular income, rather than a one-off lump sum.


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