It is awful to see surviving family members struggling with mortgage payments after the unexpected death of a loved one. If the unexpected happens, most people want to be able to cover their major costs such as mortgage payment or rent, children’s education and care, credit card & hire purchase debt etc. How much protection you have is up to you, and depends on your individual circumstances. I can help you work out a plan that suits you.
As well as a mortgage broker, I am a qualified insurance adviser, and specialise in the areas of personal risk, e.g. life, trauma, income protection and mortgage protection insurances. This fits well with my mortgage broker role because I want to help you buy your home and I want to ensure you keep your home even if you suffer an illness or injury which prevents you from working for a period of time or indefinitely.
In this section, read about the main types of personal risk available, and don’t hesitate to contact me for a free review of your options.
A lump sum payment in the event of death or terminal illness. It provides your family with a lump sum to help replace lost income or repayment of debt (e.g. mortgage).
A lump sum payment in the event of a serious illness or accident. This lump sum payment will help give you the financial freedom to control your own destiny; seek alternative or non-Pharmac funded treatment, get the help you need, or replace a lost income.
Total Permanent Disability
A lump sum payment if you become totally and permanently disabled. You can use this lump sum to help pay off debt, replace a lost income, pay for rehabilitation or any additional help you may need.
A monthly benefit if you are unable to work because of a disability (illness or injury). It helps you to maintain your cash flow and continue to plan for your future despite suffering a disability.
A monthly payment to cover the cost of your mortgage if you are unable to work because of a disability. This provides you with peace of mind knowing that if you were unable to work, your mortgage will be paid and your home will remain secure.
A monthly payment to cover the cost of your mortgage if you are made redundant or made bankrupt.