Taking out a mortgage is a big financial commitment, which is why it is crucial that you get the right protection in place for you and your family.
At Pure Mortgage we offer expert advice on a range of insurance products to suit your individual needs. We will assess your financial situation, personal circumstances and make recommendations tailored to you. We have access to a wide range of providers that offer:
Life Cover
Protect your loved ones and help them to cope financially in the event of your death. Make sure your home is fully protected so your family can continue to live in the family home, provide a lump sum to safe guard your loved ones future, completely remove or reduce any debt being passed on to your estate.
Critical Illness/serious illness
Make sure you are covered for every eventuality. If you were to suffer a major illness such as cancer, heart attack, stroke or a serious injury, you can protect you and your loved ones. You are more likely to suffer a critical or serious illness during the term of your mortgage than you are to die, therefore cover can be at least or more important than life cover alone. We will give you advice to put you in the best position possible, so you and your family are able to cope financially.
Income Protection
Protect your income if you are unable to work due to sickness or accidental injury. Taking out an income protection policy will ensure you are paid a monthly income if you are unable to work for an extended period of time. Allowing you to cope financially while you recover.
Family Income Benefit
An alternative to life insurance, family benefit income is designed to pay out a regular monthly income rather than a one-off lump sum to your family in the event of your death
Relevant Life/Key worker/Group Policies
If you are a small business owner you can offer a death-in-service benefit to your employees. This is a tax-efficient insurance policy and pays out a tax-free lump sum on the death or diagnosis of a terminal illness. All the proceeds go to the employee’s family or financial dependents.
Buildings and Contents
If you are buying a house it is essential that you protect your asset. Building and contents insurance can protect your property from costly structural repair such as roofs, walls and windows as well as repairs to your bathroom and kitchen. It will also cover your personal possession in your home if they are damaged or stolen and can also cover your belongs outside your home.
Rent Guarantee
If you are a landlord who depends on the monthly income from your rental property to pay the mortgage or cover other expenses then a Rent Guarantee Insurance policy will protect you should your tenants be unable to pay. A Rent Guarantee policy will ensure you still receive your full rental income and will cover legal expenses incurred.
Landlord Insurance
Protect your rental property from any potential financial risk. Landlord insurance covers any financial losses connected with your rental property. The policy covers building and contents, plus financial protection for loss of rent and expenses from legal disputes with your tenants