Income Protection
Independent Mortgages And Financial Solutions Ltd offers expert mortgage advice tailored to your needs.
Independent Mortgages & Financial Solutions ltd
What is it?
Sometimes known as permanent health insurance (PHI), long-term income protection (IP) is an insurance policy that pays out if you are unable to work due to injury or illness.
IP usually pays out until the earliest of the following:-
- Retirement or the term of the policy if this is shorter
- Death
- The policyholder being fit to return to work
Short-term IP policies are now available at a lower cost. IP does not pay out if you’re made redundant, that is a different type of cover, but will often provide ‘back to work’ help if you are off sick.
Who is it for?
This type of plan is designed for anyone who is working (employed or self employed). If you are off sick or injured and unable to earn, this policy can help replace some lost income.
If your employer provides sick pay, it will probably only be for a few months. This cover can be designed to augment your work arrangements to continue the cover long term. It can also be adapted to supplement any other protection that you already have.
As brokers we have access to many providers to help you chose the plan that best meets your needs.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Why Choose us
We’re a small mortgage lender with long-standing relationships.
We are a Small Friendly Efficient Team of Mortgage Advisers with building long term great client relationships at our heart.
Information
Flexible, adaptable, and adjustable plans to fit your needs.
We normally charge a fee for mortgage advice, however this will be dependent on your circumstances.
The information given in this website does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision. The FCA does not regulate some forms of buy to let mortgages.
If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email. Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS).
Independent Mortgages And Financial Solutions Ltd is directly authorised and regulated by the Financial Conduct Authority. FCA Register No 480536. Registered in England and Wales No: 05083705. Registered Office: 62 King Street, Norwich, Norfolk, NR1 1PG. Calls may be recorded for training and monitoring.
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We normally charge a fee for mortgage advice, however this will be dependent on your circumstances.
The information given in this website does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision. The FCA does not regulate some forms of buy to let mortgages.
If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email. Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS).
Independent Mortgages And Financial Solutions Ltd is directly authorised and regulated by the Financial Conduct Authority. FCA Register No 480536. Registered in England and Wales No: 05083705. Registered Office: 62 King Street, Norwich, Norfolk, NR1 1PG. Calls may be recorded for training and monitoring.
To view our Privacy Statement, please click here. To view our Cookies Statement, please click here