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Insurances for mortgages

You may need insurance as part of your mortgage - either within the deal, or as an advisory addition - and we can arrange whatever you need in the way of life, income, or critical illness cover.

The normal insurances to be considered are:

  • life insurance to pay off the mortgage if you die, and
  • critical illness to allow the mortgage to be paid off if you become seriously ill.

This is also a good time to consider your position in regards to income protection. This may be provided via your employer or, if not and if you have no cover, you may wish to arrange some yourself. This provides income to pay your bills while you are too ill to work.

A mortgage is secured on your home, your home may be repossessed if you do not keep up repayments on your mortgage.

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KSM Associates Independent Financial Advisers Ltd Registered Address: 6 Beaumont Street, Hexham, Northumberland, NE46 3LZ. Registered in England & Wales, No. 02619472.

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