Trevor Branton

Mortgage Broker Devon

0800 9 10 11 12

Offering Professional & Independent Mortgage & Re-Mortgage services across the UK & West Country

Personal & Mortgage Protection

Its important to focus on getting the right mortgage for your House Move, First Time Buy or any mortgage transaction that is arranged, but its also equally important to make sure that you are suitably protected whilst having that mortgage.

There are many aspects of Protection to consider, and most people will not be able to afford to FULLY protect their mortgage, so its important to ascertain what is important and what is the main priority according to the individual so that should the worst happen, such as Premature Death, Critical Illness or a Serious Accident that there is an element of protection to help.

The types of protection to consider are known as:

	Life Insurance
	Mortgage Protection
	Critical Illness Insurance
	Income Protection

Whilst its important to protect the level of borrowing that is established during the mortgage transaction, there are other aspects to consider also. What about family? Would there be financial hardship to the family on the death or illness of a loved one? This needs to be considered also.

If you wish to discuss this in more detail, please don't hesitate to get in touch and I can arrange a suitable time to discuss this on a personal basis to ensure that you know all there is to know about the protection plans available.

Business Protection

So, you have started up a new business, you have insured your building/contents, your stock, your cars & vans etc. They are all very important assets to the business, but what about the individual people who are key to the success of your business? It is often said that people or staff are the most important assets so take a moment to consider the impact of the following: "

	What if your top salesman or woman were to die? How would the income he or she brings to the business be replaced?
	What if your technical specialist was to become critically or seriously ill and was unable to work? Does anybody else have that skill and expertise within the business?
	What if one of the business owners were to die? Would the banks or lending institutions still have confidence in the future of the business and what would happen to their share of the business in the future?

The answer probably is - "I'll take the risk" but consider that 1 in 5 people aged 40 will not live to their 60th birthday. Is that a risk worth taking when it can be solved by way of a simple insurance policy?

For more information, please see the Business Protection Page or alternatively, for any advice, help or support in the consideration of Business Protection or Life Insurance, CONTACT ME