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Life Events | Buying a Home 2018-04-05T10:48:00+00:00

Protecting your family home

Could your partner pay the mortgage plus all the bills?

Buying a home is likely to be the biggest purchase you’re going to make in your life, and most house purchases come with a sizable mortgage.

If you are married and / or have children, you will want to make sure that they can continue living at home in the event that you pass away. A life insurance policy can run in parallel with your mortgage so that if anything happens to you, there will be funds available to pay off the remaining mortgage balance.

Leaving a home mortgage free is a good start but leaving an ongoing income to help cover the monthly outgoings is just as important particularly when you have dependant children.

What if you or your partner becomes too sick to work?

A critical or long term illness can impact your finances because you might have additional care needs and might lose an income for a period of time. If you have a mortgage, this could put a burden on your partner who will now face the pressure of paying the mortgage and the associated costs at a time when your household income has reduced. The pressure on a bread winner to return to work can also be great at a time when they should be focusing on recovery.

Real Life Advice can help by providing a free analysis of your current and future financial protection needs.

Call us for a free, no obligation consultation with one of our expert Protection Advisers.

Tailored Solutions:

We understand that everyone’s circumstances are different. At Real Life Advice we specialise in providing financial security for clients. This means that we guide you through what can be a complex process and ensure you get the best possible cover at a monthly outlay you can afford.

Protection:

We specialise in Life, Critical Illness and Income Protection Insurance. We don’t offer advice on investments or pensions.  As experts in our industry we are in a position to provide tailored advice from our caring staff who are dedicated to helping you prepare financially for the potential challenges that life might present to you and your loved ones.

Our commitment to you:

  • We will treat you as an individual.
  • We won’t sell to you – we will ask a number of questions that enable us to fully understand your circumstances, needs and budget and we will provide tailored recommendations.
  • Your personal information will always be treated in the strictest of confidence.
  • We won’t charge you a fee, we are paid by the product providers for the work we do.
  • From time to time or when requested by you, we will get in touch to review your protection needs and ensure your policies remain suitable. Where necessary we will make further recommendations to reflect any changes to your circumstances.
  • We aim to be professional and courteous at all times.
  • We encourage you to give us feedback as we believe it helps us continue to improve what we do as a business.

Life Cover

Choosing the right Life Insurance policy and setting up who you want the money to go to can be more complex than you might think, which is why we tailor the solutions that we recommend to your exact needs during our one-to-one calls.

Get your individual, personalised cover at a premium you can afford.

Call us today for expert advice on:
02382 352500

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Critical Illness Cover

Critical Illness Insurance can offer you the reassurance that you will have a financial lifeline to protect your quality of life and to keep you afloat until you are well again. The conditions and definition of what you are covered for varies greatly from one insurance company to another. Buying by price alone can mean that you end up with a lower quality policy. Getting the right advice can help you avoid an unsuccessful claim.

Call us today for expert advice on:
02382 352500

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Income Protection Cover

If you can’t work due to illness, accident or injury then Income Protection Insurance can cover your day-to-day living costs, including regular payments such as mortgage payments.

The payments usually continue until you can return to your normal job, retire, reach the end of your policy term or die, whichever comes first.

Call us today for expert advice on:
02382 352500

Click here to email us
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Call 02382 352500 for expert advice today.

Real Life Advice will recommend the insurance product which best suits your needs from a carefully selected panel of top UK Insurance Providers. Real Life Advice Ltd is an Appointed Representative of Intrinsic Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority.
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Our Life Insurance experts offer you free advice based on an in-depth understanding of the Life Insurance Industry.

We know exactly what factors are most important to ensure your cover exactly meets your needs and that you pay the most competitive rates in the industry.

Call us to today on: 02382 352500 or email: info@reallifeadvice.co.uk