Protection

Ensuring that your family and those closest to you are protected in the event of an unexpected life event, such as death, illness, injury or unemployment is an entirely natural instinct. Hallam Mortgages can help you to understand the range of protection policies available – from Life Cover, Critical Illness Cover and Income Protection to Unemployment Cover

As an impartial protection broker, we can offer completely unbiased advice based on your individual needs and circumstances. We are able to search numerous providers to find you the best possible product, based on your requirements, at the very best price.

Protection policies available:

Life Insurance

Pays a tax free lump sum and can be used to pay off a mortgage (or other outstanding debt), or simply to provide your family with a lump sum upon death.

Protection Critical Illness Cover

A policy closely related to life insurance but dealing specifically with life threatening, life-limiting or other serious illnesses. Under this cover you can expect to receive a tax-free ‘lump sum’ – or one-off payment – if you’re diagnosed with one of the illnesses specifically covered by your policy examples being Cancer, Heart Attack, Stroke dependent on the policy chosen.

Income Protection

Pays out a regular income in the event you are unable to work due to an accident or illness. This policy will continue to pay out until either you are well enough to return to work, or until the end date of the policy.

ASU

ASU stands for Accident Sickness and Unemployment insurance. This is a policy designed to provide cover against losing your income through accident, sickness or redundancy and will normally provide a monthly benefit for a particular term (typically 1-2 years).