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Protection is for you and your loved ones.

When applying for a mortgage there are some protection policies you should have, want to have or need to have. At Agentis Financial & Mortgage Solutions Ltd we believe not just in helping you buy your perfect home but making sure you are able to stay in that home, even if the unthinkable happens.

There are several ways you could unfortunately lose your home. This is why we will talk you through the right protection plans for you and your family. We provide protection for:

6 ways to lose your home

Life Insurance

Life assurance, also known as life insurance, provides financial protection in the event of death. When you pay premiums, insurance companies pay out to beneficiaries. Life insurance offers financial security for your family after you pass away, covering expenses and replacing your income. This relieves financial burdens for your loved ones. It also helps with debts and offers peace of mind. Depending on the type of cover you have opted for, life insurance can provide:

  • Lump sum payments for your dependents when you pass away.
  • Regular monthly payment to cover your bills and mortgage if you should die.
  • Some policies may also pay for a diagnosis for terminal illness.

Life insurance can be taken out for one person or as a joint insurance policy. If you have taken out a single life insurance policy, you must consider putting the policy into trust for the person who will receive the money. This person is known as the beneficiary.

An agent is explaining a life insurance policy to a client
a person is critically ill and hospitalized

Critical Illness Insurance

We provide valuable advice on critical illness cover to protect you and your loved ones in case of a serious illness. Critical illness insurance offers financial support if you are diagnosed with conditions like cancer, heart disease, or stroke. Our brokers take the time to understand your situation and recommend tailored cover to ensure you have the necessary protection.

It is vital to check what kind of illnesses are covered before taking out the policy. As well as that, you should disclose any illnesses you already have in your application.

Income Protection

Income protection is insurance that helps cover costs when you’re unable to work due to illness or injury. You’ll get monthly pay until you can work, retire, or the policy ends. Employees receive pay after sick pay ends, while self-employed can get pay if they are unable to work. Premiums are fixed or adjusted based on inflation.

The income you can claim may not fully replace your previous earnings. The calculations are based on half to two-thirds of your gross earnings. Some money will be deducted for state benefits and the income from the policy is tax-free.

A person is taking money out of his money bag
High rise buildings

Buildings and Contents Insurance

We offer building and contents insurance for financial protection for your property and belongings. Building insurance covers the structure of your home, including the walls, roof, floors, and fixtures.

The insured amount may not match the value of your house, as it is based on the cost of rebuilding to the same standard. This is called the rebuilding cost. The purpose of this insurance is to ensure coverage for repairs or replacements in case of damage.

Contents insurance, on the other hand, covers the items inside your home, such as furniture and personal belongings. Having both can help protect you against unexpected events such as fire, theft, flooding, and other damages.

Family Income Benefit

Family income benefit is a form of life insurance that provides parents and families with monthly payments in the event of death or terminal illness. The policy will provide a tax-free income to your family until a specified date to replace your income. It is an affordable policy option with low premiums and can help with long-term family budgeting.

A family is having fun outside the house
Medical equipment on the table

Private Medical Insurance

Private Medical Insurance (PMI) is created to pay for the expenses of private medical treatment for sudden and severe health conditions that arise after your policy commences. PMI is offered with a variety of coverage levels at different prices, tailored to cater to the requirements of diverse clients. With shorter wait times and access to private hospitals, PMI offers many benefits.

PMI can cover you for diagnosis, treatment, inpatient and outpatient care, physiotherapy, and alternative treatments. You can choose to be treated by the NHS or request a specialist or choose a hospital or surgeon. You will pay a monthly fee for your policy that will cover the cost of treatment as long as it is covered by your policy.

Accident Sickness and Redundancy Cover

Accident, sickness and redundancy cover is an insurance policy that provides protection for accidents, sickness, and job loss. Policyholders must provide documentation, and there are waiting periods. The insurance helps cover expenses during income interruptions due to unexpected events. This cover is designed to help with financial difficulties and bring peace of mind during difficult times.

A car accident happened
Landlord and tenants are discussing the terms

Landlords Protection

Landlord protection refers to the legal rights and protections that landlords have when renting out property to tenants. The main purpose of landlord protection is to safeguard landlords from risks like non-payment of rent, property damage, and more. This cover is beneficial if you own multiple rental properties. A standard home insurance policy does not usually provide coverage for risks related to renting out your property.

Business Protection

Agentis offers business protection advice, which refers to the various insurance policies and strategies that businesses can implement to safeguard themselves against potential risks and threats. This can include insurance coverage for key individuals within the company, such as key person insurance or shareholder protection insurance. It can also involve implementing security measures to protect against cyberattacks, theft, or other forms of business disruption.

An office setup for a business
A women is enjoying her life

Whole of Life Protections

Whole of life protection provides coverage for the entirety of an individual’s life, rather than for a specific term. This means that the policy will pay out a lump sum to the beneficiary upon the policyholder’s death, regardless of when that may occur. It can provide financial security for loved ones and help cover expenses such as funeral costs, outstanding debts, or inheritance tax.

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