ES Mortgage Services

Mortgage & Insurance Brokers

Protection
& Insurance

Buying a house is the biggest investment you will make in your life. Therefore, it is vitally important that you protect your property by putting Life Insurance in place.

Basic life cover is relatively cheap and would give you the security of knowing your mortgage will be repaid in the event of your death. Even if you have medical issues there is usually a policy out there to cover you. This Policy is a decreasing term assurance designed to run alongside your mortgage to repay the loan at any point during your mortgage term.  

The same cover can be arranged for Landlords taking out Buy to Let Mortgages – these properties need to be protected in the same way.

Decreasing term assurance can be used to cover large loans in the same way.

How would you cope with paying your mortgage in the event of a long-term illness or accident?

Worrying about how to pay your bills at a vulnerable time of your life can be avoided by taking out cover for this eventuality. Some or all of your mortgage can be repaid to ease the stress – and a fixed budget can be worked around to give you the best cover available.

Critical illness cover can be taken to run alongside your mortgage on a decreasing term basis, or can be taken on a level term basis (as below).

This cover is designed to provide you with Life and/or critical illness cover for a set period of years at a set amount, which can be inflation proofed by regular reviews.

Perhaps to cover each other for a lump sum until children reach maturity, or provide additional funds for partners in excess of mortgage protection.

This cover is designed to provide a monthly income to a surviving partner to provide financial security for them and any children in the event of one partner dying.

These policies are usually written for a term to coincide with the maturity of the youngest child.

Want to be sure there would be a lump sum on death at any age?

Maybe to provide a sum of money for family members, or to help with payment of Inheritance Tax bills, or make sure funds would be available for funeral expenses.

Whole of life assurance is a cost-effective way of providing a guaranteed lump sum on death.

If you were to suffer an accident or illness how would you manage to pay your mortgage and bills each month?

Many people mistakenly believe they will be able to claim from the government to help assist them – this is sadly not the case and mortgage lenders will take action if the monthly agreed mortgage payments are not kept up to date. Can you afford to take the risk of not being able to meet your commitments?

It is for that reason that this important protection policy, which is used to provide you with an income to repay your mortgage, mortgage related insurances or day to day expenditure, in the event of you suffering an accident or illness and should be high on your list of priorities to protect your property.

The cover can be tailored around your benefits from your Employer and the amount of time you are willing to wait before claiming on the policy – so can be tailored to your personal budget and requirements.

Buildings Insurance is a compulsory requirement prior to completing your mortgage – even if it wasn’t why would you risk losing your property (and personal possessions in respect of contents insurance) – in a fire, flood or burglary when it is quick and easy to arrange protection for these and many other eventualities.

Optional add ons including accidental damage, cover outside the home, legal protection cover and home emergency cover can be arranged and worked around a budget to suit your finances.

Protection
& Insurance

Buying a house is the biggest investment you will make in your life. Therefore, it is vitally important that you protect your property by putting Life Insurance in place.

Basic life cover is relatively cheap and would give you the security of knowing your mortgage will be repaid in the event of your death. Even if you have medical issues there is usually a policy out there to cover you. This Policy is a decreasing term assurance designed to run alongside your mortgage to repay the loan at any point during your mortgage term.  

The same cover can be arranged for Landlords taking out Buy to Let Mortgages – these properties need to be protected in the same way.

Decreasing term assurance can be used to cover large loans in the same way.

Protection
& Insurance

How would you cope with paying your mortgage in the event of a long-term illness or accident?

Worrying about how to pay your bills at a vulnerable time of your life can be avoided by taking out cover for this eventuality. Some or all of your mortgage can be repaid to ease the stress – and a fixed budget can be worked around to give you the best cover available.

Critical illness cover can be taken to run alongside your mortgage on a decreasing term basis, or can be taken on a level term basis (as below).

Protection
& Insurance

This cover is designed to provide you with Life and/or critical illness cover for a set period of years at a set amount, which can be inflation proofed by regular reviews.

Perhaps to cover each other for a lump sum until children reach maturity, or provide additional funds for partners in excess of mortgage protection.

Protection
& Insurance

This cover is designed to provide a monthly income to a surviving partner to provide financial security for them and any children in the event of one partner dying.

These policies are usually written for a term to coincide with the maturity of the youngest child.

Protection
& Insurance

Want to be sure there would be a lump sum on death at any age?

Maybe to provide a sum of money for family members, or to help with payment of Inheritance Tax bills, or make sure funds would be available for funeral expenses.

Whole of life assurance is a cost-effective way of providing a guaranteed lump sum on death.

Protection
& Insurance

If you were to suffer an accident or illness how would you manage to pay your mortgage and bills each month?

Many people mistakenly believe they will be able to claim from the government to help assist them – this is sadly not the case and mortgage lenders will take action if the monthly agreed mortgage payments are not kept up to date. Can you afford to take the risk of not being able to meet your commitments?

It is for that reason that this important protection policy, which is used to provide you with an income to repay your mortgage, mortgage related insurances or day to day expenditure, in the event of you suffering an accident or illness and should be high on your list of priorities to protect your property.

The cover can be tailored around your benefits from your Employer and the amount of time you are willing to wait before claiming on the policy – so can be tailored to your personal budget and requirements.

Protection
& Insurance

Buildings Insurance is a compulsory requirement prior to completing your mortgage – even if it wasn’t why would you risk losing your property (and personal possessions in respect of contents insurance) – in a fire, flood or burglary when it is quick and easy to arrange protection for these and many other eventualities.

Optional add ons including accidental damage, cover outside the home, legal protection cover and home emergency cover can be arranged and worked around a budget to suit your finances.

Protection
& Insurance

This is an increasingly popular choice for many who would, in the event of an illness or accident, like to have the best of medical care available to them, and have more choice and control over their treatment.

Premiums are much more affordable than they have been in the past and a range of options are available according to individual budgets.

Ask us for a tailored plan to suit you.