Mortgage protection & life cover in Devizes
- Recurring
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.
Need Mortgage protection & life cover in Devizes, Wiltshire? Tell us about the job once and verified local professionals who cover Devizes send anonymous quotes. Compare price, rating and earliest slot, then choose. Company details are shared only after you book.
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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