Life Insurance
Independent Mortgages And Financial Solutions Ltd offers expert mortgage advice tailored to your needs.
Independent Mortgages & Financial Solutions ltd
Protecting your loved ones is very important; that’s why it’s best we help you to protect what matters, when it matters! We can source the best products for you to help you make an informed choice.
What is it?
Life Insurance is the most basic form of cover you can buy as it guarantees to pay a certain amount if you die within a certain period. As the cover is in its simplest form, it is generally the cheapest way to buy your cover. Life insurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents.
The policies are referred to as Term Insurance, because the cover lasts for a certain term of years. The cover itself can be Level, ie remaining the same amount throughout the term, or Decreasing, ie reducing in line with the ongoing balance of a mortgage or other loan.
Other features can be added, such as critical illness cover and waiver of premium. Some Level Term policies have an increase option and some Decreasing Term policies have a mortgage guarantee option.
Who is it for?
This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum.
Reasons for the cover include:-
- Allowing a mortgage to be repaid in the event of death
- Leaving money to ensure the upbringing and education of your children
- Covering funeral costs and other household expenses
As experts we can help to source the best products from which you can choose.
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