Mortgage Advisers & Life Insurance
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Mortgage Advisers & Life Insurance
Mortgage advisers are meant to be able to know everything about life insurance, right?
That is definitely what a lot of people in the industry say, but maybe you’re too busy with mortgages to do it, or you have a risk that means finding life insurance for yourself is proving tricky.
No matter the reason if you need life insurance and you’re not sure what to do, we are here to help. We will find the right insurer to meet your needs and provide you clear advice on the types of life insurance that will best protect your loved ones.
When you get in touch with us we will ask you about:
- Your medical history and your family medical history
- Any business trips you need to do outside of the UK
- Risky sports that you take part in
Your job as a mortgage adviser is not seen as particularly risk for life insurance so you should be able to get standard terms of cover with most insurers.
The times that you might find that your options change are if you have certain health conditions, travel a lot or do high risk sports. Even things like riding a motorbike and horse riding can be seen as high risk by some insurers.
Our advisers are here to help you find the right insurer to match your circumstances, to get you the best terms possible.
Mortgage Advisers & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness cover should be available at standard terms for most mortgage advisers. This is assuming that there are no details (or risks) in your application, that changes the options that you have. Your work as a mortgage adviser is not usually seen to cause any higher risk of you making a claim for a critical illness.
Our expert advisers will find the right critical illness policy to match your work.
Mortgage Advisers & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Your work as a mortgage adviser should not have much bearing on your options for income protection. Working as a mortgage adviser is seen as a slightly risky role due to the stress and pressure that comes from work in a sales type environment.
Most of the time you will be working in an office or at some kind of desk based position and this can lead to back pain and other areas of discomfort. It is worth knowing that if you have had back pain or stress in the past or currently experience these, that there can be exclusions placed on your income protection policy.
This isn’t always the case but it is worth being aware that this might happen. The key thing to remember is that there are still many circumstances where this policy can pay out and it’s always worth getting a quotation, to get a feel for what insurance is available to you.
Our advisers recommend income protection for people every day and we will be able to let you know exactly what you can have. Get in touch today for a no obligation quotation.
Mortgage Advisers & Travel Insurance
We work alongside a specialist travel broker to get you the travel insurance that you need. It is even more important to make sure that seek advice if you are regularly travelling outside of the UK to see your clients. To find out more, please visit our travel page here.
Possible Risks
- Stress
- Depression
- Repetitive Strain
- Back problems
Occupational Duties
- Arranging mortgages
- Advising on life insurance, critical illness cover and income protection
Client Reviews
Cura Financial Services has been rated 4.9 out of 5 based on 800 reviews.
Review by Dorota on 25th July 2023
“Very accommodating, great knowledge and my personal advisor was able to find me insurance, brilliant! Thank you!” - 5
You can read more of our reviews here.
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
Client Reviews
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