Protection Insurance & Cover
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For Your Family & Assets
As much as we do not like to think about it, bad things can happen. No one plans to have an accident or get a horrible diagnosis but sadly it’s a fact of life. The silver lining is that we are all able to take control and there is something that we can do about it. If we have protection plans in place we are able to navigate difficult situations in our life and have safeguards in place to help deal with situations in advance.
By switching your mortgage, you may be able to save money, and in some cases even reduce your outgoing monthly payments. if you live in Northamptonshire or the surrounding area Montgomery Financial should be your first port of call. We are also able to help you no matter where you live in the UK by offering help and advice via zoom. Simply get in touch in whatever way you feel more comfortable, and we will be able to help.
It is never a nice subject to think of something negative happening, we take the time to find out what is important or scary to you and your family. We’ll then use our expertise and experience to give you all the advice we can to ensure you access the best insurance and protection for your given situation.
Get in touch with Montgomery Financial and our advisors will always have time to go through all the options with you to safeguard you and yours family’s future.
What are the different covers offered?
Critical Illness Cover & Protection
Critical illness cover is an insurance policy which helps to protect you if you’re diagnosed with a critical medical condition during the term of your policy. It is different to life insurance, which pays money to your family or dependants if you pass away.
Critical illness insurance pays out a tax-free lump sum which you can use however you like, during what will likely be a very difficult time. The money might be used to help cover health-related costs, monthly expenses, or lost income while you recover. For many, this takes a huge weight off their shoulders, allowing them to focus only on getting better, not having to worry about their finances.
Life Cover & Protection
Life insurance (also known as life cover) is an insurance policy that pays out a lump sum in the event that the insured person dies. There are many different policies available; choosing the right one for you will depend on your individual circumstances.
If you have an accident or have fallen ill or lost your job through no fault of your own, then income protection insurance pays out an agreed portion of your salary each month. This money can then be used to help cover any debt repayment, bills and any other additional costs that may be relevant.
Income protection is incredibly valuable to those who may work in dangerous industries such as agriculture or construction. This way you can rest assured that should the unthinkable happen, your mortgage payments will still be covered whilst you focus on getting better.