|
A listing of the income
protection and mortgage payment insurance policies that we have available,
suitability and how to apply
 We
offer a single combined income protection and mortgage payment
protection insurance
policy for redundancy only, redundancy accident and sickness or accident
and sickness only.
Click here for an immediate quote General
advice on mortgage and income protection insurance
Our home page with other insurance contracts Back
to our general information page on mortgage protection income
protection insurance and accident
sickness and unemployment insurance (ASU) |
| Name/
Location (Click Link) |
Product Type |
Very short
summary of features |
Typical
rates |
| Commitments
Alpha Contract
|
Mortgage
Protection |
 |
Benefits of Beta
Contract |
|
Back to work Package |
|
Hospitalisation
Benefit |
|
3 month payment
holiday |
|
Combined ASU only |
|
Two months carer's
benefits |
|
| £4.50% - 12 months Combined |
|
| Commitments
Beta Contract
|
Mortgage
Protection |
|
12 or 24 months cover |
|
Mortgage payments +
100% |
|
OR Rent payments +
100% |
|
OR Loan
repayments+100% |
|
60 day i.e.p. |
|
Back to day one after
30 days |
|
Choice of ASU, AS or
U (max benefit £1,500 for U only) |
|
| £4.25% - 12 months Combined |
|
| Goodmortgageprotection
(Apply online)
|
Mortgage
protection only |
|
12 month benefits
|
|
Mortgage payments +
25%
|
|
Maximum £1,500 or
65% income
|
|
3 months free cover
|
|
No initial exclusion
on transfers or new mortgages/ remortgages
|
|
Should be OK for IT/ banking/ finance
|
|
|
Unemployment only :
£2.45%
|
|
Disability Only :
£2.45%
|
|
Combined cover:
£3.95%
|
|
| Income
Protection Insurance
The BIBA contract. Apply Online |
Income
protection insurance only |
|
12 month benefits |
|
Not mortgage related |
|
Initial Exclusion
Period 120 days |
|
No IT |
|
|
Unemployment only :
£4.00% |
|
Disability only :
£3.00% |
|
Combined cover:
£5.00% |
|
| IT
Income protection
Income protection for people
working for companies in IT), Telecommunications, Media, Airlines
Airports and Travel, certain elements of Financial Services (Investment
Banking, Stock broking, Dealing in Securities, Money Broking),
Recruitment. |
Income
protection only |
|
12 month benefit |
|
60 day excess |
|
180 day initial
exclusion period |
|
Designed for 'High
Risk' (IT/ banking/ finance/ tourism/ airline etc) |
|
Max £1,000 or 50%
income |
|
|
Combined cover:
£7.50% |
|
Company prides itself
on claims service |
|
|
Loan
payment protection insurance
Apply Online |
Loan
payment protection insurance |
|
12 month benefits |
|
£1000 or loan
repayments |
|
Initial exclusion
period: 60 days |
|
Exclusion free
transfer |
|
|
Unemployment only:
£2.50% |
|
Disability only:
£2.50% |
|
Combined cover:
£4.00% |
|
| MortgageLifeline
Call us on 0870 7456247 and we'll send
you the policy summary/ key facts or use this mortgage
protection contact form |
Mortgage
protection only |
|
Cheaper rates for
younger proposers |
|
Option to take an
excess |
|
Mortgage payments +
25% |
|
12 month benefits |
|
30 day initial
exclusion - new |
|
120 day initial
exclusion - existing |
|
3 months free cover |
|
Back to work
assistance |
|
|
Unemployment only:
from £1.17 |
|
Combined cover: from
£2.16 |
(18-24 with a 30 day
excess.)
|
Unemployment only:
£2.37 |
|
Combined cover:
£3.65 |
(30-34 with no excess)
|
| Mortgagesureplus
Call us on 0870 7456247 and we'll send
you the policy summary/ key facts or use this mortgage
protection contact form |
Mortgage
and Income Protection |
|
Better options if new
mortgage |
|
Mortgage payments +
up to 100% |
|
12 or 24 month
benefit period |
|
Maximum sum insured
£1,500 |
|
Back to day one or 30
day excess |
|
30 day initial
exclusion - new |
|
90 day initial
exclusion - existing |
|
Exclusion free
transfer |
|
Back to work
assistance |
|
12 month benefits
|
U/E or disability:
back to day one: £3.54 |
|
U/E or disability: 30
day excess : £2.58 |
|
Combined - back to
day one: £6.43 |
|
Combined - 30 day
excess: £4.68 |
24 month benefits (new
only)
|
Disability only: 30
day excess: £3.09 |
|
Combined: 30 day
excess: £5.62 |
|
Day
One Income Protection
(Application available online) |
Mortgage
and Income Protection
(Click here for comparison of two) |
|
Options for both
income and mortgage |
|
12 month benefits |
|
Back to day one |
|
May look at IT
workers as well |
|
Cover twice your
mortgage payments |
|
Initial exclusion
period: 30 days MP |
|
Initial exclusion
period: 90 days IP |
|
Different rates for MP/IP
|
MP: U/E OR Disability
: £3.5% |
|
MP: U/E AND
Disability: £5.5% |
|
IP: U/E OR Disability
: £4.0% |
|
IP: U/E AND
Disability: £6.25% |
|
DMS
Combined income protection and mortgage payment
(Now
Apply Online) |
|
Options for both
income protection and mortgage payment insurance |
|
12 month benefits |
|
Back to day one, 30
or 60 day excess |
|
Initial Exclusion
period 60 days |
|
Different rates for IP/ MP
|
DMS
Mortgage Protection
(Now
Apply Online) |
Mortgage
payment insurance |
|
12 Month Benefits |
|
Back to day one, 30
or 60 day excess |
|
Prefers AS or ASU to
U |
|
Include mortgage
related +25% |
|
| Excess |
U/E |
AS |
ASU |
| Nil |
£2.50% |
£2.50% |
£3.75% |
| 30 |
£2.35% |
£2.35% |
£3.25% |
| 60 |
£2.25% |
£2.25% |
£2.75% |
|
DMS
Income Protection
(Insurance
now available online) |
Income
protection only
No high risk occupations |
|
12 Month Benefits |
|
No mortgage needed |
|
Payments can be made
to third parties |
|
e.g. payment to
landlords by tenants |
|
(Rent protection) |
|
Back to day one, 30
or 60 day excess |
|
Up to £1000 per
month cover |
|
| Excess |
U/E |
AS |
ASU |
| Nil |
£4.00% |
£3.40% |
£4.85% |
| 30 |
£3.50% |
£3.05% |
£3.95% |
| 60 |
£3.15% |
£2.80% |
£3.65% |
|
| DMS/
Day One | BIBA Scheme |
DMS income protection | PHI
application form | permanent
health insurance information | High
risk product | loan
payment protection insurance | mortgage
insurance information | mortgage
payment protection insurance | Request
information | DMS
Mortgage Protection Scheme | redundancy
insurance | redundancy
insurance contact form | redundancy
insurance information | unemployment
insurance | unemployment
insurance application form | Why
you need ASU | unemployment
redundancy insurance | redundancy
insurance | accident
sickness unemployment mortgage need
for income protection insurance | income
protection insurance claims | more
income protection | day
one cover | help
| eligibility
| key features | extra
| IT income protection |
| Contact
us for any further information on how to protect your payments against
accident, sickness, unemployment (ASU), by income protection, loan
protection and
mortgage protection insurance. |
