.png)
Insurances can be confusing and a headache for most individuals. If you have insurance, do you know exactly what it covers & what you are actually paying for? Here at Michelle's Mortgage Solutions we establish what is important to both you and your family, we then put in place an affordable budget and recommend a personalised protection plan tailored especially for you. Not only that but as a client of ours you get a annual review to ensure you always have the correct level of cover in place should any circumstances change. The annual review comes as part of the ongoing service after a mortgage or protection has been taken.
Protection should be considered essential and a necessity. Unfortunately many people will insure cars, phones, pets but not their most important asset…..themselves and their homes! Our protection advice is available so why not book in for a review with our dedicated protection specialist.
We will receive commission from the insurer; the amount of the commission will be a proportion of the premiums you pay for your insurance product.
You work so hard to get on the property ladder, so why not protect it once you are there! This is where a lot of people go wrong. They get the house and don’t ensure their new debt is covered, we also walk you through the possible outcomes should you not be insured correctly.
Did you know the average household is just *24 days away from being on the breadline? Could you rely on the state benefit, which at present is **£99.35 per week? According to L&G in a recent poll only 1 in 10 people have their income protected…..INSANE!!
*Source Deadline to Breadline 2022 report
**£99.35 is the current rate of Statutory sick pay in England and Wales - June 2022 Source: https://www.gov.uk/statutory-sick-pay/what-youll-get
LIFE INSURANCE
This protection provides you with a *tax-free lump sum or monthly payment. It also pays out to whomever you choose if you die.
CRITICAL ILLNESS COVER
Gives you a *tax-free lump sum or monthly income if you suffer a specified critical illness and can also cover your dependent children as well.
INCOME PROTECTION
This protection insurance provides you with a monthly income and peace of mind if you are unable to work due to sickness, accident or disability.
FAMILY INCOME BENEFIT
Provides regular payments to the family if a key earner dies or are diagnosed with a terminal illness. Secures on-going income for the family. *Tax-free monthly pay-outs ease the burden of bills. Makes budgeting manageable for those left behind, especially where there's children to care for.
*No tax advice has been provided by Michelle’s Mortgage Solutions nor PRIMIS Mortgage Network.
You should refer to an appropriate tax professional for specialist advice in this area.
FREE Will writing voucher when you take out any product with us!
We also offer a FREE WILL writing voucher through our network partnerships once you take out a policy with us and so again we are doing everything possible to ensure you can be at ease knowing you have planned for the future.
This gives you, the client a saving of £90 for a single will or £130 for a couples mirrored will. Should you have a need for a Will writing, you will be referred to a third party provider. Neither Michelle's Mortgage Solutions nor PRIMIS Mortgage Network are responsible for any advice received. My Last Will” who specialise in providing Will writing services. If you decide to proceed, we will not receive a fee from this company.
HOMe
insurance
You need to protect your home against both big and small things, such as accidentally spilling wine on the carpet, knocking the TV off the stand or flood, fire, theft. We can offer you competitive quotes!
BUILDINGS INSURANCE
Lenders will require you to have buildings insurance on the property you own. This covers you for rebuild costs after any damage that may be caused by floods, fire or other unforeseen events.
CONTENTS INSURANCE
This type of insurance will cover your contents in case of loss, theft, damage or accidental damage. In the event of a claim you will get the item(s) replaced or the money to replace them.
