Safeguard your family and finances with mortgage protection insurance

It’s good to have peace of mind in the unfortunate event that sickness, an accident or unemployment means you’re suddenly unable to work. Failing to put sufficient plans in place could put your home and your family at risk.

McCaffreys is one of the UK’s top independent mortgage protection insurance and general insurance advisers. We can quickly help you find the right levels of protection and cover for you and your family’s needs. We offer many types of general insurance, as well as mortgage protection insurance, which can help get you back on your feet whatever life may throw at you.

Take a look at the type of protection we offer

Below you will find the types of protection that we offer here at McCaffrey Mortgage Centre, if you need something specific, get in touch.

If you’re keen to leave a lump sum to your relatives when you die, a term life insurance plan could be the cheapest option. It insures you for a set period of time, and if you should die before the term is up, the insurer pays out a cash sum to your chosen recipient.

Critical illness cover is often available as an add-on to life assurance cover (although you can also obtain it as a standalone insurance policy), and it covers you in the event that you’re diagnosed with a serious illness during the policy term. The lump sum could be used to cover your medical costs or time off work, or help to pay off loans and mortgage payments.

Whether you’re self-employed or permanently employed, no job is guaranteed these days. And, should you find yourself suddenly without a regular income, it can be extremely stressful. Failure to keep up mortgage and loan repayments could also put your property at risk of repossession.

For these reasons, many people choose to take out income protection so that they will continue to receive an income if they become unable to work because of an illness or accident.

Although many employers offer their staff sick pay, it doesn’t usually last for more than 12 months. Therefore, by taking out income protection, you will be covered for as long as you’re unable to return to work.

The most common type of mortgage protection insurance is mortgage payment protection as it gives you peace of mind for up to two years should you be taken sick, involved in an accident or lose your job.

Mortgage payment protection is purely optional, but some people choose to take advantage of it to ensure that they can continue to make their mortgage repayments no matter what.

Most of us wish to ensure that our loved ones will receive an inheritance when we die. While whole of Life insurance is more costly than Term Life Assurance, it’s guaranteed to payout regardless of when you die.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE INHERITANCE TAX PLANNING ADVICE

ALTHOUGH A WHOLE OF LIFE PLAN CAN AQUIRE A CASH VALUE ITS PRIMARY PURPOSE IS TO PROVIDE FINANCIAL PROTECTION AND SHOULD NOT BE SEEN AS AN INVESTMENT VEHICLE

We are here to answer any questions you might have.

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Frequently Ask Questions

No, we can look at your personal circumstances to find the right product for you. Please contact us for an appointment to go through your options

Yes, we can look at any existing benefits you currently have and make sure your income is protected. Please contact us for an appointment to go through your options

Yes, we have a range of products to help cover all of your family protection requirements. Please contact us for an appointment to go through your options.