We all need to be protected. What would happen if a sudden illness, disability, or death occurred? We can help provide you with the peace of mind that comes with knowing you are protected if something should happen.
This comes in two main forms: Level Term Assurance or Decreasing Term Assurance.
Level Term Assurance will give you the same amount of cover during the life of the policy and pay out that amount if you make a claim.
Decreasing Term Assurance will decrease over the term, usually to match your decreasing mortgage amount owing on a repayment mortgage, and pay out the current amount when a claim is made.
2: Critical Illness
To cover you and your family against the financial impact of a critical illness and loss of income through sickness.
This cover pays out a lump sum or a regular income when you have a specified illness. Illnesses covered vary depending on the provider and type of policy.
It is also available as Level or Decreasing and can be set up with a mortgage or stand alone.
This cover will pay you a regular income benefit if you suffer illness or accidental injury and are unable to work leading to loss of earnings. Cover is provided until the end of the plan term, regardless of how many claims you make and during each claim you receive an income every month as long as that claim is valid.
4: Home Insurance:
You need to protect your home against flood, fire, theft and other perils. We can offer you competitve quotes on your Home Insurance through our panel of providers.
We can offer you the following products:
Buildings Insurance – Lenders will require you to have buildings insurance on the property you own or let. This covers you for rebuild costs after damage caused by floods, fire or other unforeseen events.
Contents Insurance – This will cover your contents in case of loss, theft or damage. In the event of a claim you will get the item(s) replaced or the money to replace them.
Buy to Let Insurance – For your investment properties.
Holiday Home Insurance
Claire McVeigh trading as Mortgage Genie NI is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete LTD which is authorised and regulated by the Financial Conduct Authority for Mortgages, protection insurance and general insurance products.
The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
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Mortgage Genie NI
8 Rossland Park
Broughshane
BT43 7LG
M: 07720712647
E: claire@mortgagegenieni.co.uk