Once we have found you the right mortgage for your needs, we need to ensure that your family and your home are adequately protected for all eventualities.  Making sure that everything is covered with the right type of insurance provides peace of mind and certainty.  Whether it be your life, health, family, home or income that needs protecting, Leslie James work with some of the leading insurers to ensure you have the correct cover.

LIFE COVER

Life insurance is a policy that pays out a lump sum to your loved ones if you pass away during the time you’re covered. Leslie James Mortgages will provide advice around the length, type of contract and cover amount. Your monthly payments are then based on these plus your medical history, age and lifestyle choices.


A life insurance pay out could be used to:

  • pay off a mortgage
  • replace an income
  • pay for childcare or education costs
  • maintain your family's current standard of living

CRITICAL ILLNESS COVER
Critical illness cover is a type of insurance policy that pays out if you get a serious illness, disease or disability.  The pay out can help support you during a life changing situation to provide financial support at  time when you need it most.  This could be by giving you money to use towards your outgoings each month, for example, rent/mortgage and bills, or to make life easier during a very difficult time. 


INCOME PROTECTION
If you were unable to work due to an accident, sickness or redundancy, it's important to think about how long your savings would cover your living costs.  Income protection is a type of insurance that pays you an income if you have to stop working, due to illness or injury.  When you apply for a policy, you need to think about:


  • The income you would need if you made a claim
  • How long you would need the income for?
  • How long you would need the cover for?
  • How much you would need to pay each month to keep the policy running