Richard Humphreys-Jones (Mortgage and Protection Adviser)

I was looking to arrange life cover to protect a mortgage for a client, however I was informed of a hereditary illness that her mother had suffered from in her mid- 40’s. Due to her family medical history not all providers would offer the client terms for a policy and most offered a much higher than expected monthly premium because of the perceived increased risk. 

However, after I was able to give the insurer a fuller explanation, one company were willing to look further into the matter. After further investigation they offered our client standard terms for the policy as was applied for and at the initial monthly cost quoted. This goes to show the value of having taken professional advice from someone who has access to an extensive panel of companies that we can approach for all types of protection scenarios.

Do you have the right life insurance for your mortgage? If you are looking to arrange mortgage life insurance, critical illness cover or income protection then please do contact us on mortgages@alextragroup.co.uk or 01270 250800 to speak to one of our expert mortgage and protection advisers.

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.