Insurance Services
At Mortgage Perspective, we specialise in providing expert advice across all types of insurance, ensuring you receive tailored solutions to suit your individual needs as we know no two people are the same.
Whether you require life insurance, critical illness, income protection or home insurance, our experienced team are dedicated to securing you comprehensive coverage at a price that suits you. You can rely on us to protect what matters most.
Life Insurance
Life insurance, sometimes called life cover or life assurance, is a policy designed to provide financial support for your loved ones if the unexpected happens. It can help reduce the financial impact on your family and offer peace of mind knowing they’re protected. Most life insurance policies pay out a cash sum to your chosen beneficiaries if you pass away during the term of the policy.
The policy will be designed to clear the mortgage balance and make sure that the surviving partner maintains their standard of living.
Critical Illness Cover
Critical illness cover provides a financial lifeline if you’re diagnosed with a serious illness such as cancer, heart disease, or stroke. This coverage pays out a lump sum to help you cover medical costs, living expenses, or any other financial burdens during your treatment and recovery.
Our critical illness cover is designed to offer peace of mind when you need it most. With flexible options and comprehensive coverage, you can choose a plan that best fits your needs, ensuring you have the financial support necessary to focus on your health and recovery.
Income Protection
Income protection insurance pays you a regular tax-free income if you can't work because of sickness or disability and continues until you return to paid work or you retire.
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The amount of income you are allowed to claim will not replace the exact amount of money you were earning before you had to stop work. This benefit is paid out as a monthly amount, rather than a lump sum of money and is designed to pay your monthly living expenses whilst you are out of work.
Home Insurance
Home insurance is crucial because it protects one of your most valuable assets, your home. It provides financial security in the event of unexpected damage, loss, or liability, which can otherwise be financially devastating. With the right coverage in place, you can have peace of mind that you are protected in the event of the worst happening. ​