Life Assurance...

Whatever the type of mortgage you have, you will need to protect your family or others left behind if you die before the end of your mortgage term.

There are many different types of life assurance and they can vary enormously in price. Typically, you will take out a term assurance policy which pays a lump sum if you die within a set number of years (usually the mortgage term)

B-Spoke mortgages offer policies from a range of insurance companies not just a limited panel to ensure you receive the best cover available for the price you can afford.

Unfortunately, we are all likely to know of someone who has suffered from serious illness, such as heart disease and cancer, however it is human nature for us to have the ‘it won’t happen to me’ philosophy.

Critical illness cover provides a lump sum should you be diagnosed with one of a specified list of serious illnesses such as some types of heart attack and some forms of cancer. This would provide you with financial security by paying off you mortgage or providing much needed income at a time when your priority is to get well.

With a wide range of insurers and policies to choose from we can provide you with valuable cover at affordable cost.

Your responsibility for paying you mortgage, bills and other costs of living don’t go away should you become ill and are unable to work due to long term illness.

Some employers will provide full or reduced pay for a period of time should you become ill, but it doesn’t last forever.

Income Protection (PHI) cover pays a regular income after an agreed period (usually once your employers pay stops) for the term of your mortgage or until retirement age.

Speak to us about this as we can source a wide range of companies and it may not be as expensive as you think.

As our lifestyles and our expectations change, more and more of us are turning to private healthcare. The National Health Service does a very good job under difficult conditions in looking after the nation's health. Yet many people choose to go private to avoid the long waiting lists associated with some NHS treatments.

There are many types of private healthcare to choose from. It obviously depends on your budget and your needs, however, the more you invest in medical insurance, the more you and your family are protected.

Comprehensive plans offer wide-reaching cover that give you peace of mind in many situations except accidents and emergencies.