It is fair to say that 2016 was a year which saw a great deal of change and upheaval, politically, socially and economically. It also saw the passing of a significant number of much loved celebrities; the festive period being particularly brutal, and I think left most of us shocked. Throughout the year we lost some really talented and amazing individuals ‘before their time’ and quite unexpectedly. The number of celebrity deaths last year really hit home to us all how vulnerable we all are; even those we view as untouchable icons can be struck down by a heart attack or Cancer. The heartbreak and destruction this leaves behind has been well documented for these celebrities but what about ‘ordinary’ people. Ask yourself; how would your family cope if you were to suffer the worst tomorrow? Without a regular income could you still continue to pay your mortgage, bills and even pay for food? IT may be time to consider protection.
At One 77 Mortgages we have a team of specialist insurance advisers here who are ready to talk you through the options available to protect yourself and your family in the event you do suffer a critical illness or pass away. We want to make sure you have access to all of the available information to make an informed decision about protecting you and your family in case the worst should happen.
Although we all like to think ‘it won’t happen to me’, last year really has proved to us all that these illnesses are not choosy, they strike when we least expect them and can have a detrimental impact on our finances. Although this is not what anyone wants to think about when they are ill, it is unfortunately a problem that is in the forefront of your mind when you are struggling to pay your mortgage and bills and you are at risk of losing your home and everything you have worked so hard for. Taking a few minutes to review the policies available to you and completing an application with one of our specialist advisers can help remove some of the financial pressures you could face should something happen.
At One 77 Mortgages we offer a fee free ‘Protection Review Service’ to anyone who would like advice on Protection. We are able to review any existing arrangements a client may have to discover if these are right for them, whether there is a better level of cover out there, and whether any additional cover is advisable which can be done using a multi-benefit policy; a policy that encompasses not just life assurance but additional elements which could include Critical Illness Cover, Family Income Benefit or Income Protection Cover. We are also able to advise on the various facets of Business Protection.