Protection and Insurance

What if the unthinkable happened? Make sure you, your family and your property are fully protected in a time of need. 

Life Cover

Making sure the people you care about the most are financially secure should the worst happen. It could mean they get to keep the property if you are not around by paying out a lump sum on death.

Income Protection

This policy will pay out a tax free monthly payment if you are unable to work due to ill health or an accident and can help you cover the cost of your monthly mortgage payment and daily living expenses.

Critical Illness Cover

A policy that will pay out a lump sum if you are diagnosed with a defined critical illness during the policy term. What defines a critical illness? This could be a heart attack, some forms of cancer, strokes and many others, it may even cover you if you have a serious accident at work that gives you a physical disability.

Accident, Sickness and Unemployment

What would you do if you lost your job though redundancy or ill health?  This policy will normally cover you for a set period of time but will have restrictions, eg it is unlikely to cover an individual who has previously been at risk of redundancy.

Mortgage Payment Protection

This policy is designed to cover the cost specifically of your mortgage payments if you’re sick, have an accident or become unemployed and cannot work.

Family Income Benefit

Similar to life insurance but this will pay out a regular income rather than a lump sum on death.

Buildings and Contents Cover

This is a requirement for all mortgage lenders. We can look to arrange this for you by accessing a comprehensive panel of insurers to provide you with a tailored policy to suit both your needs and budget. With no forms to complete we will take care of this requirement for you after a fee free advice call.


No fee is charged for advice on these products by KAD Mortgages