Mortgage Protection Insurance

Mortgage Protection Products

Mortgage Protection Products - Life Insurance

Life Insurance

Life insurance is a vitally important element of financial planning for anyone with dependents, such as your partner, children or anyone else who relies on you for financial support. Your death and its effects on your family can be distressing. As a result, some people ignore the issue. Of course, it’s much better to tackle the issue head-on and take out a  life insurance policy

One of the most popular types of life insurance is called ‘term’ insurance. It pays out a pre-agreed amount as a lump sum or, on occasions, as a regular income if you die before the end of the term. The choice of the sum insured and the policy length is yours. For example, you may decide to have cover in place for the life of the mortgage or until the children have left home. Our experienced advisers will help you with all these decisions

Mortgage Protection Products - Income Protection

Income Protection

Income protection is a long-term insurance policy that will help if you can’t work through illness or injury with a regular income until you are able to return to work. There is often a waiting period before the payments begin, linked to how long your sick pay continues. You can typically claim as many times as needed whilst the policy remains in force.

Over a million workers can’t work every year due to illness or injury. Even if you have no dependents, a long absence from work may mean that you cannot pay the bills, and you should consider income protection. Your payments will vary.  For example, the cost will depend on your age, your job, and whether you are or have ever been a smoker. Other factors include the waiting period before the policy pays out, the scope of illnesses and injuries covered and your general health.

Mortgage Protection Products - Critical Illness Cover

Critical Illness Cover

Critical Illness Cover pays a tax-free lump sum if you are diagnosed with any one of a list of illnesses or conditions during the policy term. So, could your family afford to pay all the bills if you became too ill to work? If not, then why not consider critical illness cover? You can spend the money however you choose. For example, it can settle bills, pay off the mortgage, or invest in providing an ongoing income.

There is typically a long list of conditions; insurers can include over sixty ailments and injuries. However, they may not pay out unless the illness is severe or has permanent symptoms. Some cancers are excluded as medical advances mean that they are easier to treat. Likewise, a mild stroke or heart attack may not qualify for reasons of severity. Therefore, please check the exclusions in the policy terms.


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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. There is no charge for a mortgage consultation, quotations or providing an agreement in principle.  A fee of £299 is payable on submission of a full mortgage application.

The Mortgage Store (Ian Wilson) limited is authorised and regulated by the Financial Conduct Authority. Financial Services Registered number for The Mortgage Store (Ian Wilson) limited is 784801.  The Mortgage Store (Ian Wilson) limited is registered in England and Wales No: 9447172. Registered and trading address is 64 Gold Street, Kettering NN16 8JB.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. If you contact us by e-mail, we may store your name and address to facilitate communications.

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If you wish to register a complaint, please write to Ian Wilson, The Mortgage Store, 64 Gold Street, Kettering, NN16 8JB or telephone 01536 310220. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at or by contacting them on 0800 023 4 567.