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