The right mortgage can help you buy your home. The right protection can help you keep it if illness, injury or the unexpected affects your income. Louisa will explain your options clearly and help you find cover suited to your life and budget.
No one likes thinking about illness, injury or losing an income, but having suitable protection in place can make an enormous difference if life takes an unexpected turn. Louisa will help you understand the available options and choose cover that reflects your circumstances, priorities and budget.
Everyone’s circumstances are different. Your income, family commitments, existing benefits and monthly budget will all affect the type and level of protection that may be suitable.
Louisa will take the time to understand what matters most to you, explain the available options in plain English and help you put appropriate cover in place without unnecessary pressure.
✓ Understand the different types of protection available
✓ Review your income, commitments and priorities
✓ Compare suitable policies and providers
✓ Choose cover that works within your budget
✓ Receive ongoing support throughout the application
As with all insurance policies, conditions and exclusions will apply.
Help protect the people you leave behind.
Life insurance can provide a payment if you die during the policy term, helping your loved ones manage the mortgage, household bills and other financial commitments.
Financial support following a serious diagnosis.
Critical illness cover can provide a lump-sum payment if you’re diagnosed with one of the serious illnesses or medical conditions included within your policy.
Help replace part of your income if you cannot work.
Income protection can provide regular payments if illness or injury leaves you unable to work, helping you continue meeting your essential monthly commitments.
Regular financial support for your family.
Family income benefit is a type of life cover designed to provide your loved ones with a regular income rather than one large lump-sum payment.
The benefits, exclusions, qualifying conditions and length of cover will vary between policies.
Louisa will explain these clearly before you make a decision.
Choosing the right protection can raise plenty of questions, particularly when policies, benefits and exclusions vary between providers. Here are answers to some of the questions Louisa is most frequently asked by homeowners and families across Newton Abbot and South Devon.
Mortgage protection is a broad term for insurance designed to help protect your home, income or family if illness, injury or death affects your ability to meet your financial commitments. This can include life insurance, critical illness cover and income protection.
Life insurance is not normally a legal requirement when taking out a mortgage. However, many homeowners choose to put cover in place so that their family could repay or reduce the mortgage if they died during the policy term.
Life insurance is designed to pay out if the insured person dies during the policy term. Critical illness cover is designed to pay a lump sum if the insured person is diagnosed with one of the serious illnesses or medical conditions included within the policy.
Income protection can provide regular payments if illness or injury leaves you unable to work. The amount paid, waiting period and length of time benefits continue will depend on the policy selected.
Yes. Protection can be particularly valuable for self-employed people who may not have access to employer sick pay or workplace benefits. Louisa can review your income, commitments and existing arrangements before explaining the available options.
The appropriate amount will depend on your mortgage balance, income, household expenditure, dependants, savings and any existing workplace benefits or insurance policies. Louisa will help you consider these factors rather than simply recommending an arbitrary figure.
Yes. Louisa can review your current arrangements and help you understand whether they still reflect your mortgage, family circumstances and financial priorities. You should not cancel existing cover until any replacement policy has been accepted and is fully in place.
No obligation. No pressure. Just clear, friendly advice tailored to you.
Whether you’re arranging a mortgage, starting a family, self-employed or simply reviewing the cover you already have, Louisa will help you understand your protection options and find cover suited to your circumstances, priorities and budget.
Prefer to speak to Louisa?
Call 07584 097131
