PROTECTION


PROTECTION FOR YOU & YOUR HOME

HOW MUCH COULD I BORROW?

PROVIDING YOU WITH PEACE OF MIND

Roots Mortgages offers a variety of policies to help keep our clients protected.

Our protection policies are tailored to fit the employment patterns of contractors and freelancers. Our aim is to find you a policy that fits your situation perfectly, offering you suitable protection in the case of specific events.

Roots’ protection policies are outlined here. Take a look through what we have available and contact our team to discuss your requirements. 

 

LIFE INSURANCE

Though it might not be pleasant to think about, in the event of your death, having the right policy in place can help protect the people closest to you. 

Roots has access to a range of life insurance policies that allows you to rest easy knowing that if the worst does come to pass, your family is protected from a financial perspective.

With traditional employment models, the employer typically offers a workplace life insurance policy. But when working as a contractor or freelancer, it is down to you to arrange this.

As such, Roots can help you secure the ideal life insurance policy for your circumstances. You can secure a policy tailored to your requirements and work practices.

 

Critical Illness Cover

If you become critically ill and are unable to work, employment naturally becomes a lower priority in the grand scheme of things. But bills payments and mortgage repayments still have to be met. 

Most companies will have something in place to cover a worker if critical illness befalls them. But as a contractor or freelancer, being unable to work immediately cuts off your income supply.

This is where critical illness protection can make such a difference. A good critical illness policy helps you remain financially safe during a difficult time.

Roots Mortgages is able to advise on critical illness protection, with circumstances such as cancer, stroke or heart problems typically covered in most policies of this nature.

 

Income Protection  

Injury or long-term illness can throw a major spanner in the works when it comes to your employment and income. If you are not able to work for either of these reasons as a contractor or freelancer, the income you usually enjoy dries up and difficulties can await.

With an income protection policy, you can help protect yourself and cover your monthly outgoings until such a time as you are able to return to full-time work or are able to retire.

Traditional employment models tend to cover circumstances such as injury or long-term illness. But when working as a contractor or freelancer, such benefits do not extend to you. 

This is why income protection policies tailored to contractors and freelancers can be so advantageous. Roots is able to advise on the best income protection policy for your needs.

 

Family Income Benefit

Though never a nice thought, if the worst happens to you, making sure your family is able to remain financially stable should be a priority.

This is what Family Income Benefit is able to provide. This type of protection replaces lost income for a family in the instance of a person’s passing.

Family Income Benefit typically covers a set number of years. If a person does die during this period, then a payment is made to the family each year for the rest of the period of cover. 

Roots can help you find the perfect Family Income Benefit policy for you and your loved ones.

 

Buildings and Contents Protection

Given the important role your home plays in your day-to-day life, keeping it safe and protected is always a wise move. 

The best way to do this is with a buildings and contents protection policy. This type of policy protects your home across a number of different scenarios. 

Say your home is broken into and valuable items are stolen. This type of policy can cover the value of the items taken.

This type of policy can also cover you in the case of damage to your home or valuables. This can include things such as leaks, or even fires damaging property and personal belongings alike. 

Buildings and contents protection allows you to relax safe in the knowledge that if a problematic incident in your home takes place, your assets are protected. 

BOOK A FREE CONSULTATION

WE PLAY BY THE BOOK

Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £650.

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