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Protection Insurances

At Mortgage Solutions we make sure we assess and review all your protection insurance needs from:

  • Mortgage Protection Insurance - Life Insurance
  • Level Term Assurance
  • Income Protection Insurance
  • Accident, Sickness and Redundancy cover
  • Family Income Benefit
  • Critical Illness Cover
  • Permanent Health Insurance
  • Adverse Health Cover which means that if you cannot get life cover due to ill health, we will be able to help
  • Over 50's Life Cover Plan

There are other products available designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

The concept of life insurance (also known as 'life assurance' or 'term assurance') is often difficult to comprehend. Nobody wants to think about death, but the reality is that our loved ones will need support after we have passed on. That's why Mortgage Solutions has produced an exclusive guide to help you make an educated choice on the type of cover you need for life insurance.

Why do I need life insurance?

Coming to terms with the loss of a loved one is never an easy thing to do and adding financial burden to the grief can make coping increasingly difficult. Life Insurance can help to support your family after you die, or even a business partner.

Among the reasons to take out life insurance could include:

  • Mortgage repayments do you wish to arrange for your mortgage to be paid off?
  • Replacing the primary earner's salary ensuring the family does not fall on hard times after your death.
  • Replacing childcare the death of the primary childcare provider could lead to the need for childcare expenses.
  • Education expenses cover for school/university fees after the death of the primary earner.

Life insurance is usually available on a single or joint life basis with benefits including paying out on the diagnosis of a terminal illness. If the policyholder is alive when the policy expires no payment is made and, should the policyholder stops paying premiums at any stage, the policy has no value.

There are several types of life insurance:

  • Level term insurance - designed to pay out a sum of money if the policyholder should die during the policy's term. The sum assured is guaranteed and remains unchanged throughout the term.
  • Decreasing term life insurance i.e. mortgage protection cover where the sum decreases during the policy. It is regularly used to protect capital and interest repayments on a mortgage.
  • Renewable term insurance On the expiry date there is an option to continue without a health review.
  • Convertible term insurance Level term insurance with the option to revert to whole life or endowment insurance.
  • Increasing term insurance Due to inflation the value of money declines each year. Consequently, this form of insurance combats that with an escalating sum assured.
  • Index linked term insurance Some insurers provide the option for the premium to be increased each year in relation to the Retail Price Index.

Whether it's about leaving your debts behind or ensuring your family can maintain the standard of living to which they were accustomed, it's clear there are plenty of reasons to look for the best life insurance policy for your personal circumstances. Getting the best quote is an important part of finding the right policy.

If you would like to know about cheaper life insurance quote. Understand how UK life insurance companies operate, how your personal circumstances affect the cost of your cover for life insurance then give us a call.

If you would like a competitive protection insurance quote please complete your details:

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Client Testimonials

Ambareen is excellent at her job, friendly and approachable. She did a fantastic job at securing us a mortgage  at a good rate. Cannot fault her service. Really pleased I chose her, would definately recommend her service to everyone who wants to apply for any financial needs hassle free.

Thank you once again

Selina - Blackburn

We cannot recommend Ambareen highly enough. Ambareen has helped us to arrange our mortgage twice now and each time she has been extremely proactive on our behalf.  She always responds to our calls, provides staightforward and clear advice and is very reliable. Ambareen is always honest, friendly and supportive  and takes the stress out of the whole process

Ivon Beer & Baljit Kandola-beer

We first approached Ambareen in 2011 to help with a buy to let mortgage we were having difficulty with. Ambareen got us a mortgage offer and assisted in the mortgage being completed swiftly.Since then we have continually worked closely with Ambareen for all our mortgage needs

Steven Joyce - Sussex

I cant fault the service received from Ambareen from Mortgage Solutions. Always committed to offering good advice, options and the best product to suit our needs. Ambareen is always helpful and friendly and happy to explain and help with any enquiries.
Thank you for everything K Seward
Leicestershire

I would like to thank Mortgage Solutions in handling my mortgage application in a timely manner and professional manner and made me feel that my business was important and worked hard to find me the best mortgage to meet my specific needs. I was very impressed that they were there when i needed advice and their personalised service made the whole mortgage transaction a comfortable experience.I would recommend Mortgage Solutions to anyone who is need of mortgage advice.
SincerelyKhawar
High Wycombe

For years you have consistently provided very competent and professional mortgage service for myself, family and friends. I am pleased that in you I have found a very able Mortgage Advisor, who gives swift progress updates without having to chase. I have also much appreciated your ad hoc info and sign posting without attempting to lure me into a certain mortgage product.
With Best WishesDr Aamir Ehjaz
Luton

I have a good experience with Ambareen Mirza from Mortgage Solutions; my mortgages were handled in timely and professional manner. Ambareen communicated and kept me up to date of process and all updates from lenders promptly.The reason I own 2 properties now is thanks to Ambareen, who explained available options to me and helped me understand what was available in the market. I was initially going sell my existing property and buy new house to live in, Ambareen helped me to re-mortgage the existing mortgage and also to find new mortgage for my dream home. This was achieved in an orderly fashion without any hassle
I was impressed with her service as I was able to get hold of her at any time of my convenience. I would gladly recommend her to any of my friends and family. Saying that I was recommended Ambareen by my brother
Roshana Yogachandran
Surrey

Ambareen of Mortgage Solutions went above and beyond to secure me a fantastic rate on my current house. She found deals that no bank would offer. This is not the first time I have used Ambareen, previously she helped in a difficult transaction when purchasing my first home.
I highly recommend AmbareeenQasim Latif
London

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