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Protection Insurance
Protection Insurance
At Hilltop Mortgage Solutions, we are keen to not only help you move into your dream home, but also ensure that you keep it. Our expert advisers will review your current situation and any existing policies that you may have, and make tailor made recommendations for your specific circumstances.
Life Insurance
Provides a lump sum or regular payments in the event of death.
Life insurance protects your partner and children/dependants, from the potentially devastating financial losses that could result if something happened to you. It provides financial security and can be used to pay off your Mortgage and debts as well as maintaining your living expenses.
Critical Illness Cover
Provides a tax-free lump sum in the event you are diagnosed with a specified critical illness covered by the policy.
The money can be used as you wish and here are some of the most common uses:
- repaying your outstanding mortgage balance.
- paying for private medical treatment.
- covering monthly bills and living expenses.
- adapting your home.
- having a holiday or treat once recovered.
Critical illness cover can help ensure that you and your family ar financially protected if the worst happens.
Income Protection
Replaces part of your income if you suffer a loss of earnings due to becoming ill or injured and are unable to work.
You can have cover for the short term (12-24 months) or longer term (5 years or up to your retirement age!).
This cover provides an amount towards your monthly mortgage repayments and household bills.
The current level of Statutory Sick Pay (SSP) from the government is £116.75 per week for a maximum of 28 weeks - would you be able to manage on this?.
Unemployment Cover
This cover is designed to provide an monthly amount so that you can maintain your monthly mortgage or rental payments and household bills whilst you look for new employment. It can provide a short term safety net for employed and self employed people to help during this difficult time.
Private Medical Insurance (PMI)
Private medical insurance provides access to high-quality private medical facilities and medical treatments, at a time and place to suit you. It also plays an equally important role in helping fund the cost of early diagnosis and treatment of acute conditions. This could be anything from a few sessions of physiotherapy, to more complex procedures such as major heart surgery or biological therapy for the treatment of cancer.
Business Protection
Your key employees and shareholders are your biggest assets. With a complete range of business protection plans, we can help keep your business financially strong, should something ever happen to them – or you. With Business Protection, you’re giving your company an extra degree of long-term stability and reassurance, by enabling your organisation to protect itself against the unforeseen challenges of losing someone essential to the day to day running and to its future success.
Protection Advice
Our team of experts will review your personal circumstances and make recommendations tailor made to your exact situation.
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Buildings & Contents Insurance
Buildings Insurance
Whilst it isn't a legal requirement, most mortgage lenders will stipulate that adequate Buildings Insurance is in place as a condition of your mortgage and held throughout the whole mortgage term.
Buildings Insurance is a way of covering the cost of repairing or rebuilding your property if it was damaged in an event such as a fire or a flood.
Buildings Insurance does not cover your possessions. Contents insurance is required to protect these.
Contents Insurance
Contents Insurance helps pay to repair or replace your personal belongings if they are damaged or stolen in a covered event, like theft or fire.
It may also cover belongings outside your home, such as items left in your car.
Expert Advice
Our team of experts will review your personal circumstances and make recommendations tailor made to your exact situation.
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