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Protection

Family & Personal

Protecting what is important to you, your family & personal lifestyle.

 

We will assess your needs in terms of any outstanding liabilities & advise a package to insure that you & your family are fully covered in the event of the following events-

 

Life Cover -Coming to terms with the loss of a loved one is never an easy thing to do and adding financial burden to the grief can make coping increasingly difficult. Receiving a lump sum of money can help to support your family through an unexpected change of circumstances, ensure liabilities are not left for others & secure your family’s future is secure.

 

Critical Illness Cover- Insurance that pays a lump sum if you you're diagnosed with a specified critical illness, covered by your policy. This cover can ensure that liabilities are covered in the event of unexpected illness, a lump sum can be provided to deal with the change in circumstances this illness entails & income loss can be covered in the interim allowing you to concentrate on getting better.

 

Family Income Benefit Cover- Family Income Benefit (FIB) provides a tax free regular income which is paid out for the remaining term of the policy if you die or suffer a specified critical illness. FIB can provide a replacement income and may be index-linked to inflation & as a result can increase to cover increased living costs. This policy can incorporate both life &/or critical illness cover to provide a monthly income for you & your family going forward.

 

Income Protection Cover – This policy can provide long term cover for your income in the event of you being unable to work due to illness or injury. Cover options will run from 2 years right up to your retirement age & will ensure that if you are off work, or unable to continue in your chosen field due to illness or injury you will receive a monthly income in lieu of your employed wage. An income protection policy ensures that your personal lifestyle & family do not need to suffer due to an illness or injury that is outside your control.

 

How can we help you?

Send us a short email to enquiries@atmortgages.co.uk with your queries or give us a call on 02380 443331.

Business Protection

If you run or are involved at a high level within a business, protecting what you & your colleagues have worked hard for is an important consideration for your long term business future.

 

We will assess your business’s protection needs in terms of any outstanding liabilities & advise a package to insure that you & your company are fully covered in the event of the following events-

 

Keyperson Protection Cover- Keyperson Protection protects your business against the financial impact of losing a key member of staff. You can also combine critical illness cover and life insurance to protect against the risk of serious illness and death.

 

Shareholder Protection Cover- Shareholder Protection provides the capital for the remaining shareholder(s) to buy the deceased shares. The deceased shareholder's family can realise the value of their business interest whilst ensuring business continuity.

 

Business Loan Protection Cover- Business Loan Insurance protects outstanding debt should your business suffer the loss of a key loan payer. You can also combine critical illness cover and life insurance to protect against the risk of serious illness and death.

 

AT mortgages can also advise a number of group scheme options providing added value to your business as a whole, such as group life, critical illness or income protection policies. In addition we can arrange group health insurance policies for everyone from directors to the tea lady.

 

How can we help you?

Send us a short email to enquiries@atmortgages.co.uk with your queries or give us a call on 02380 443331.

General Insurance

It is important to know that in addition to life changing events, your everyday assets, possessions & income is secure too. General insurance covers events that may or may not happen, such as accident, fire or theft, as opposed to life assurance, which covers an event that will definitely happen sooner or later, such as retirement or death.

 

The aim of taking out any insurance policy is to compensate you following a loss so that you are, in general, as well off - but no better off - than you were before the loss occurred.

 

The following products are all different categories of General Insurance that AT mortgages can advise & arrange for you from our providers from across the marketplace:-

 

Home Insurance- covering you home in the event of damage, whether accidental or not.
 

Contents Insurance- covering the contents of your home in respect to damage & theft. This is usually combined with home insurance.

 

Landlord Insurance- covering your investment asset in the event of damage, whether accidental or not. Landlord cover can also cover issues with your tenants whether this is in terms of non-payment of rent right through to legal cover in the event of dispute.

 

ASU (Accident, Sickness and Unemployment)- providing short term cover in the event of loss of earnings from involuntary accident, sickness or unemployment.

 

Commercial Insurance- covering your business asset & contents in the event of damage, whether accidental or not. This insurance can also cover public & employment liability in the event of legal disputes.

 

How can we help you?

Send us a short email to enquiries@atmortgages.co.uk with your queries or give us a call on 02380 443331.

We believe protection should mean just that, the right protection for you & your circumstances!

 

We will assess your needs & recommend an insurance package which provides the relevant level & types of cover for you. We will compare leading insurers to ensure this provides comprehensive & affordable cover for now & in the future. Click here for further information.

 

How can we help you?

Send us a short email to enquiries@atmortgages.co.uk with your queries or give us a call on 02380 443331.