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Mortage Protection
Whether you have an existing mortgage protection policy or you are taking out a new policy, we can offer you the most competitive price on the market.
Guaranteed Mortgage Protection is the basic cover that you must have on your home loan. The cost of it will depend on the amount of cover required, term of the loan, your age,if you are a smoker and health status.
The level of cover provided will reduce over the term in line with the proposed decreasing capital owed on your mortgage. This type of cover will only pay out on death and does not cover in the event of an illness. If you wish to add illness cover, this can be done and will increase the monthly premiums.
You should also review existing policies in place, as many times people are continuing to pay mortgage protection cover and the loan attached to it has been repaid in full and you may not be getting the best value for money.
Income Protection / Permanent Health Insurance
This protection helps take care of your financial needs, at a time when money worries should be the last thing on your mind as you focus on recovery. State benefits are very limited and if you are self- employed you are not entitled to any form of state benefits.
You can claim income tax relief on the monthly premiums.
If you run a company, the premiums can be paid by your company and there are no Benefit in Kind implications.
At RMC Financial Services we will take you through the many options about the benefits of income protection. We can assist you in choosing the appropriate level of cover and ensure you obtain the most competitive price in the market.
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