Lifestyle Cover

Quite often you hear "it could never happen to me" or "I'll sort it out later". Well the old maxim of "failing to plan is planning to fail" is no better suited to the ignoring of crucial decisions on protection.

Get in Touch

Find out what we can do to help you with your finances. Get in touch with us today!


Contact us
 

Lifestyle Cover is a short-term income-protection policy. It pays you a tax-free monthly benefit for up to 12 months if you can’t work due to an accident or sickness or if you become unemployed through no fault of your own. You can choose a policy that protects you against all of these events, or you can choose a policy to protect you against accident and sickness only, or unemployment only.

You choose the ‘deferred period’ – this is the initial period of your claim and you get no benefit during this time. You can choose a deferred period of 30, 60 or 90 days for accident or sickness and unemployment options. You can also have a longer deferred period of 180 days for accident and sickness cover. We can help you decide which deferred period is best for you and we will review your circumstances and consider issues like any sick pay you get from your employer or any savings you have.

You can choose the amount of monthly benefit you will receive, which can be up to 65% of your gross monthly income (up to 65% of your wages before income tax and National Insurance contributions have been taken). There are limits to the cover provided and the insurer won’t cover some circumstances. Please check your policy document or contact us for details.

There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk.

Copyright © 2017 Mortgage 65. All Rights Reserved

Mortgage 65 is a trading name of Fairstone Financial Management Limited who are authorised and regulated by the Financial Conduct Authority.

FCA Register Number 475973. Registered in England and Wales No. 5574120. Registered Office: Fairstone Financial Management Limited, 1 The Bulrushes, Woodstock Way, Boldon Business Park, Tyne & Wear, NE35 9PF

To view our Privacy Statement please click here. This site is only directed at persons within the UK. Calls may be recorded for training and monitoring.