Personal insurance.

You can have insurance to cover loss of your income due to an accident or illness, a lump sum in the event of diagnosis of a critical illness and a lump sum or monthly benefit for your family in the event of your death. The payments can be a lifeline when you need them most.

Life insurance.

Taking a mortgage is a big commitment, and one many people do not want to leave to their family should they die during the mortgage term. Life insurance will pay a lump sum upon death, which your family can use to clear the mortgage or service the monthly payments.

Critical illness cover.

Sadly, the statistics show, one in two of us will be diagnosed with a critical illness in our lifetime. A Critical Illness can be suffering a heart attack, stroke or being diagnosed with a form of cancer. Additionally, insurance providers cover many more conditions, usually between 30 and 50 conditions are covered.

Serious illness cover.

As serious illness policy will pay out for many of the critical illness policies as listed above, but will also pay out for a smaller sum for less severe illnesses or conditions that are easily treatable. They may require you to take some time off of work and receive additional physio or mental health support providing a lump sum when you need it most.

Income protection.

Employers typically provide a statutory amount of sickness benefit for a limited duration, which may not adequately cover expenses such as bills, food, and mortgage payments. This usually isn’t sufficient to cover bills let alone food and mortgage payments. An income protection policy steps in to provide you with an income when your income is reduced from your employer.

Self-employed Income Protection.

Working in a self-employed role comes with many benefits, but sick pay isn’t one of them. If you are unwell and unable to go to work, generally, you will not receive an income. Self-employed Income Protection policies buy you your own sick pay as a self-employed worker. The policy provides an income to help you pay your mortgage, food and bills when you are unable to work due to an illness or an accident. Policies can pay out for a period of 24 months or up until retirement age should you not be able to return to work.

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As with all insurance policies, conditions and exclusions will apply.

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LBR Financial Solutions Limited trading as Home of Insurance is an Appointed Representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority. Registered Office: LBR Financial Solutions Limited, 12 Brooke Trading Estate, Lyon Road, Romford, England, RM1 2AT. Registered Company Number: 8356654. Registered in England & Wales.

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