Insurance Cover
When you’re thinking about getting your first home there are so many things to consider, and it can sometimes feel overwhelming.
Talking to an independent, whole-of-the-market broker gives you the opportunity to have a one-stop shop and get your mortgage, your life cover and your home protection cover, all sorted out in one call.
Finding someone you can trust to find you the best cover available at the best price, can make a massive difference, check out our reviews and see what our customers say about working with Custom Mortgages and Finance.
Life Cover
Life Insurance gives you guaranteed cover if you die and your beneficiaries will have a lump sum to be able to clear off any outstanding mortgages, loans or hp agreements as well as have some money over to help them deal with living expenses until they can get back on their feet.
You can get individual or joint life cover, which may be to pay off the mortgage if one of you die, but also give your descendants an income if both of you pass away unexpectedly.
The cost of life insurance is based on a number of variables, your age, lifestyle, current state of your health, whether you smoke or vape, family medical history and the length and value of the cover. A whole of market broker will be able to give you the most cost-efficient policy to meet your needs and the needs of your dependents.
Private Medical Insurance
Your health is one of your most valuable assets, and private medical insurance can provide faster access to diagnosis, treatment and specialist care when you need it most.
Whether you’re looking to avoid lengthy waiting times or simply want greater choice over where and when you’re treated, we’ll help you find a policy that suits your needs and budget.
Private medical insurance can offer:
* Faster access to consultations and treatment
* Choice of private hospitals and specialists
* Greater flexibility with appointment times
* Peace of mind for you and your family
* A range of cover options tailored to your circumstances
At Custom Mortgages & Finance, we understand that everyone’s healthcare needs are different. That’s why we’ll take the time to understand your situation and recommend a policy that’s right for you, giving you confidence that you and your loved ones are protected should the unexpected happen.
Speak to our team today to find out how private medical insurance could complement your wider financial protection plan.
Critical illness Cover
Critical illness is an insurance cover that will pay out on specific medical conditions or injuries, it only ever pays out once and then the policy ends.
Policies vary between insurance companies, so discuss with your broker what you feel is the most relevant, not all policies pay out on all illnesses. It is important to read the small print on these policies or be guided by a trusted adviser, getting the right policy means understanding exactly what you are looking for. Your Safety Net Starts Here.
Income Protection
Income protection is an insurance policy that makes sure you have a regular income if you become ill and are unable to work. This type of policy will typically pay out around 50-60% of your earnings until you are well enough to return to work or until you retire. The policies generally cover most illnesses or injuries that render you unable to work and they often have a pre-agreed deferred period, which depending on your policy can range from 4, 13 to 26 weeks. You may have savings that will keep you afloat until the policy kicks in.
Income protection policies cover a wide scope of situations, illnesses and injuries, so talk to a qualified broker to make sure the policy matches your individual and family circumstances.
Landlord and Portfolio landlord insurance for life, building and contents
Are you a portfolio or professional landlord that requires cover for all of your properties, we are able to provide a single policy that covers all of your properties. Contact our offices to book in a call with one of our advisers, to discuss the option that will work for your situation.
