Protection
Income protection
Income protection insurance can cover you in the event of inability to work due to accident or sickness, covering a percentage of your income say 60%, so you can afford to pay your mortgage and stay in you home. It is particularly important if your employers sick pay arrangements reflect only the statutory sick pay requirements.
Life Assurance
Most parents have some financial protection, often in the form of a life insurance policy designed to pay off a mortgage. It is however crucial to look at wider life insurance needs to help to cover other liabilities or outgoings. Additional life cover could provide dependents with a lump sum or an income stream for a fixed period to cover other family expenditure in the event of untimely death.
Critical Illness Cover
Being diagnosed with a critical illness that may prevent you from working for a long period could have dire results for your family finances especially if you have a mortgage or other financial commitments. Your Critical Illness Cover will provide you with a lump sum should be diagnosed with a critical illness as defined in the insurance policy documentation - please check your policy as exclusions differ between providers. This extra money can be extremely useful in the event of prolonged illness.
Health Insurance
Health insurance is designed to cover the costs of private medical treatment for curable short-term illness or injury (commonly known as acute conditions).Most people buy this type of insurance to gain the reassurance of knowing that treatment is available promptly, if they become ill or are injured. As a private patient you can bypass the NHS waiting lists, choose when treatment will take place, choose the specialist who treats you and choose the hospital. You will have the privacy of your own en-suite room with TV, home comforts and an a la carte menu.
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C L Mortgages is a trading style of C L Mortgages and Protection Limited who is an appointed representative of Quilter Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority.
Some Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
The guidance contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.
C L Mortgages and Protection Limited is registered in England and Wales. Companies House Registration Number - 11881790
C L Mortgages and Protection Limited trading and registered address - 1st Floor, 9-11 West Street, Fareham, Hampshire, PO16 0BG
You are now departing from the regulatory site of C L Mortgages. Neither C L Mortgages Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site below.
