Protection Advice
Have the peace of mind that you and your loved ones are financially secure should the unexpected occur, with expert advice on life insurance, critical illness and income protection insurance.
Don't let life's speed bumps slow down your plans...
Protection is designed to provide you with financial security at a time when you are likely to need it the most. At Belle Maison Mortgages our priority is to help you secure your financial future. One of the key aspects of ensuring financial security for you and your family is having the right insurance and protection in place.
Our expert protection advisers will review your needs and advise you on which protection products suit your circumstances. Whether that be to protect your family, a mortgage, or your lifestyle. We will then tailor an individual solution to fit your budget giving you peace of mind that no matter what life challenges you encounter, your family and home remain protected. Let’s face it, it’s not a nice thing to talk about and many people believe ‘it will never happen to me’ and whilst we sincerely hope that ‘it’ does not, the unfortunate reality is that ‘it’ just might! As part of our protection advice service, we will discuss which life changing issues may be important to you and what impact these events could have on your ability to maintain your standard of living as well as your mortgage and associated costs.
Peace of mind does not need to be expensive. The cost of having inadequate or no cover at all however, may very well be.
Life Insurance
Life insurance is designed to provide financial support for your loved ones in the event of your death. It pays out a lump sum or regular income to your chosen beneficiaries, ensuring they can maintain their lifestyle and cover expenses such as mortgage payments, education costs, and daily living expenses. With a variety of life insurance policies available, we’ll help you choose the one that best suits your needs and budget.
Critical Illness Cover
Critical illness cover is a form of insurance that provides financial support if you’re diagnosed with a specified serious illness or medical condition this includes things like cancer, heart attack, or stroke. It pays out a tax-free lump sum, which can be used to cover medical expenses, replace lost income, or make any necessary modifications to your home. This type of insurance can offer peace of mind, knowing that you and your family will be taken care of during a challenging time. It is quite often ‘added on’ to a life insurance policy however it can be taken out as a standalone policy for added peace of mind. The quality of cover and the illnesses covered can vary significantly between different providers. We can help you find the plan that best meets your requirements.
Income Protection
Income protection insurance is designed to help you maintain financial stability in case you’re unable to work due to illness or injury. This policy pays out a regular, tax-free income, usually a percentage of your salary, to cover your living expenses until you’re able to return to work or until the policy term ends. It’s a valuable safety net that can help you focus on recovery without worrying about financial stress.
Income protection is a important policy for anyone who is currently working, whether that be employed or self-employed. Even if your employer pays you sick pay, this is likely to only last for up to one year, therefore ongoing protection is crucial.
Family Income Benefit
Family income benefit is an insurance plan specifically crafted to provide your dependents with a steady, tax-free income in the event of your death. Rather than delivering a one-time lump sum, this cover ensures a continuous flow of income to assist your family in maintaining their lifestyle and daily needs, thus alleviating financial burdens during a time of adjustment. This also has the added benefit of helping to reduce the premiums in comparison to a plan paying out a larger one time lump sum.
Overview
Insurance and protection products are a crucial part of securing your family’s financial future. At Belle Maison Mortgage Solutions, we’re here to guide you through the process, helping you find the right combination of solutions to suit your unique circumstances. By understanding these options and tailoring them to your needs, you can ensure that you and your loved ones are well-prepared for whatever life throws your way
FAQ
It depends on your individual circumstances, such as your financial situation, dependents, and obligations. That’s where our expert advisers come in, we’ll help you assess your needs and recommend the most appropriate coverage.
Yes, you can have multiple types of insurance, in fact, it’s usually what we recommend to ensure comprehensive coverage. For instance, you may have life insurance to protect your mortgage, and income protection to cover your day to day expenses.
That depends on what’s changed, and the type of cover you have. Sometimes you can adjust an existing policy, in other situations it’s necessary to take out a new policy to replace your existing cover. It’s essential to regularly review your plans to ensure they still meet your needs.
Our Awards
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Best Mortgage Broker (Under 10 Advisers)
What Mortgage Awards
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Best First Time Buyer Mortgage Broker
Personal Finance Awards
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Best Broker Customer Service
Personal Finance Awards
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Best Broker Customer Service
What Mortgage Awards
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Best Mortgage Industry Newcomer
What Mortgage Awards
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Looking for advice, or have some questions?
Why choose Belle Maison Mortgages?
At Belle Maison Mortgages we provide expert mortgage advice, protection and insurance advice. We strive always to provide simple, honest advice and our trusted and versatile mortgage and protection advisers will work hard until they find the most appropriate outcome for your personal situation.
We pride ourselves on delivering an excellent service, which is reflected in the fantastic five star reviews our clients regularly leave us. We’ll work with you, on your terms, and are happy to meet remotely via video call, over the phone, or if you prefer a good old fashioned chinwag over a cuppa we’ll come to see you at your home.
What's the process?
Get in touch!
You can call, email or send us your details via our handy form. Once we receive your enquiry, we'll reach out to you to have a chat about what we can do to help with your protection needs. Following this we'll arrange a time for an initial appointment that suits you.
Initial Consultation
Your initial consultation can be done remotely over Teams, over the phone, or if you prefer face to face. During your initial consultation with us, we'll take the time to understand your unique situation and discuss your protection needs. We'll ask questions about your family, lifestyle, health, and finances to identify any potential risks and vulnerabilities.
Review Your Needs
Based on the information you provide, we'll review your protection needs and recommend appropriate products and coverage levels. We'll explain the benefits and costs of different options and help you make an informed decision within your agreed budget.
Application
Once we've agreed on a suitable solution to protect you and your family we'll help you complete the application and gather all necessary documentation. We'll explain the underwriting process and answer any questions you may have.
Completion
We'll work with the insurance company on your behalf to ensure your application is processed and approved as quickly as possible. Once approved, you'll be provided with the final policy documents. We'll also remain available to answer any questions you may have and assist you with any future changes or updates to your protection plan. Our commitment to customer service goes beyond just helping you find the right protection. We strive to build lasting relationships with our clients, ensuring that you always have a trusted partner to turn to for advice and support.
Looking for advice, or have some questions?
Our Reviews
Our clients have lots of good things to say about why they think Belle Maison Mortgages are the “best in the business”. From first time buyers, to buy to let landlords our clients have come to trust the service we provide, comforted that we’re with them every step of the way.
Check out what our clients have to say about us below!
Overall Rating