Insurance Broker for Self Employed Liverpool and Wirral
Why choose Make Mortgages Easy for your insurance needs?
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Insurance brokers that take the time to understand your personal circumstances and needs so that we can effectively recommend the most suitable protection for you and your family.
Simply put, We Care About You.
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Now you may be able to get cheaper policies using comparison sites, but how do you know if they're going to be effective when you need them most? Don't end up paying for something that in the end won't cover you.
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Our Wirral mortgage brokers are here to help provide expert advice tailored to your needs and ensure that you're getting quality cover at the best price.
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Do you need Life Insurance?
Partners
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If you or your partner rely on each others income you may want to consider life insurance.
Family
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If you have children, make sure you protect their future and consider life insurance.
Mortgage
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We see life insurance as a crucial aspect of having a mortgage, ensuring that you protect your family.
Life Insurance brokers​
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Life insurance is all about protecting those closest to you. Life insurance will pay out a lump sum of money in the unfortunate event of your death.
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There are several types of life insurance, including decreasing, level or increasing term assurance or whole of life.
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How would your mortgage be repaid in the event of your death? Without life insurance your family may have to sell their home if they're unable to keep up with the mortgage repayments.
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Life insurance can ensure that your mortgage, along with other debts can be repaid, and therefore securing your families home. It could also be used to help provide monies for your families future when you're gone.
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The cost of a life insurance policy depends on many factors, including your health and lifestyle. Your age will also have a big impact on the cost, where the younger you are, the less likely you are to die therefore the lower the premiums.
Critical Illness Cover (and childrens critical illness cover).​
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At Make Mortgages Easy we believe critical illness cover is just as important as life cover. In fact, we believe the best form of protection for you and your family is a mix of life, critical illness and income protection.
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Critical Illness cover pays out a lump sum if you develop a critical illness condition that is covered by the insurer, with a big majority of claims made being for cancer, heart failure or a stroke. With many more conditions are covered.
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Critical illness cover can be used to ensure you keep up with your finances while going through a truly tough time. Without cover and without being able to work, it can be scary to think how your finances can quickly turn into another nightmare.
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There are many different add-on's and extra's when it comes to critical illness cover including childrens critical illness cover.
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With so many extra's it can be difficult to know exactly what you may need, at Make Mortgages Easy we'll explain each detail to you and recommend the policies that will suit you and your families needs.
Income Protection​
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If you become ill or suffer an injury which results in you being unable to work, would you be able to keep up with your bills? If the answer is no, income protection needs to be considered a must.
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Now this is especially true if you're self employed. Being self employed you may rely solely on yourself to provide an income. It's unlikely you'll receive sick pay, so income protection can be the perfect alternative.
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Income protection will provide a monthly income if you're unable to work, usually in the event of sickness or injury.
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Income protection can provide you and your family with financial security should you be unable to work.
Buildings and Contents Insurance​
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Buildings Insurance is required when you buy a home with a mortgage. Buildings insurance is designed to cover the cost of having to rebuild your home if it were damaged or destroyed.
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Contents Insurance is designed to cover the cost of your belongings if they are destroyed, damaged, lost or stolen. Typically think of the items you would take with you if you were to move home, for example, sofa's, furniture, jewellery, watches, laptops, bicycles and many more items.
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Some specific items will need to be declared depending on their value if you wish for them to be covered. You may also cover items away from the home.
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As with anything, you typically get what you pay for. You may think that a cheap policy looks good, but there can often be many of pay out caps which can often leave you in financial difficulty.
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Ensure that you get the right advice and make sure that you're buying a policy that offers you the protection you need.