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Mortgage protection & life cover in Devizes

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The short answer

Life, critical illness and income protection linked to the mortgage

Price from
£10.00
Time on site
30 to 60 minutes

What you get

You get a personalised insurance policy that pays out a lump sum or regular income to cover your mortgage repayments if a specified unfortunate event occurs.

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When do you need a Mortgage protection & life cover?

You should look into cover as soon as you start your property search.

  • Start cover when you exchange contracts for a new home.
  • Get protection if you have family or partners living with you.
  • Review your plan if you increase your borrowing for renovations.
  • Update your details when you get married or have children.
  • Check your policy if you move to a new house.

What happens on the day

There is no home visit, but you will chat with an advisor.

  • Speak with a specialist by phone or video call.
  • Share details about your mortgage balance and monthly bills.
  • Answer questions about your medical history and job duties.
  • Review a personalised quote based on your specific needs.
  • Wait while the insurer checks facts with your GP if needed.
  • Sign your documents digitally once you are happy with the plan.

How to prepare

  • Find your latest mortgage balance statement
  • Check your current employer sick pay
  • List your average monthly living costs
  • Note down your GP surgery details
  • Gather details of any current life policies
  • Have your monthly income figures ready
  • Make a list of regular medical prescriptions
  • Decide who should receive the payout

How to improve your result

  • Quit smoking to lower your monthly costs
  • Combine life and illness cover for discounts
  • Review your cover when your salary increases
  • Set up a trust so money stays tax-free
  • Choose a fixed rate so costs never rise
  • Start early as prices rise with age

Why it is useful day to day

This protection gives you and your family total peace of mind.

  • Know that your home is safe if you get sick.
  • Feel secure that your debts are covered for your children.
  • Avoid the risk of losing your house if you cannot work.
  • Relax knowing your biggest monthly bill is taken care of.
  • Enjoy your home without worrying about worst case scenarios.

Why we ask these questions

Your advisor helps you figure out exactly what your family needs.

  • Ask how much monthly income your family would need.
  • Find out which serious illnesses are covered by the plan.
  • Check if the payout decreases as your mortgage gets smaller.
  • See if the policy pays a lump sum or monthly payments.
  • Confirm how long the waiting period is before claims start.

Frequently asked questions

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