Protection

It's small things with insurance policies. A word added here. A missing sentence there. And those small words mean that all insurance policies are not the same. They mean that choosing the wrong one for you could mean losing your house. The devil, as they say, is in the detail

We can offer you advice on a number of different products, ranging from Life Insurance to Buildings and Contents.

With Life Cover you are safe in the knowledge that in the unfortunate event of your death a cash lump sum will be paid to your beneficiaries. This can be used to repay any outstanding mortgage on your property or provide income.

At CML we know from our experience that many people do not consider that a serious illness, assuming that they recover, could leave them with some form of disability or long term health impairment.

This is why Critical Illness cover can help take away some of the financial strain by paying you a one-off Tax-Free cash lump sum, if you suffer from or undergo any of a number of specified Illnesses or Operations. The lump sum gives you the means to help repay your mortgage or towards home alterations or specialist equipment. Cover day to day expenses or fund private medical treatment.
 
If you work for yourself or your job has limited sick pay, you need to think about income protection. The right policy will protect you and your family from the financial impact of illness,injury or death. We'll scour the UK market to find you the best deal. While you put the kettle on.

Income Protection Policies are designed to give you regular benefit if you suffer illness or injury or, if you include it, involuntary unemployment leading to the loss of earnings. You select the features of the plan to make sure the cover is right for you. Benefits can be paid after a deferred period of between 4, 8, 13,26 or 52 weeks and continue to be paid until the plan term ends, or you are no longer incapacitated.

Accident, Sickness & Unemployment Insurance is a type of policy that only pays out for 1-2 years and the policy is renewable annually.

Buildings and contents insurance
Buildings and contents insurance will vary based on the type of property, its size, location and the property value. Wherever you live, it is always a good idea to have adequate insurance for your property and all its contents in case of emergencies. Therefore, it’s worth remembering that you can buy buildings and contents insurance combined, or separately. Unless you are tied to your mortgage company to use their insurance company or policy, shopping around for the best deal is a sensible idea, as is a combined policy as this will usually be cheaper.

Don’t forget at CML we can arrange protection free of charge, and we work from a wide range of high quality insurance companies, meaning you are safe in the knowledge you have the right policy for you. We can also arrange insurances independent from the mortgage, so if you aren’t looking at moving / remortgaging, but want to make sure you have the best deal, no problem.