Protection

Life Cover

Let us start by saying something you may not have expected on this website, you do not need Life Insurance! You could pay it your whole life and you will never benefit from it. Then again, life insurance is not for you, it is for your wife, your husband, your life partner, and your kids.

The loss of a loved one is traumatic, but when that loved one is also the bread winner of the family it can have far reaching repercussions.

Life insurance is designed to give your family a tax-free lump sum that helps to minimise the financial impact that your death might have.

It can be used to pay off, or significantly contribute to reducing debt such as your mortgage or long-term credit agreements as well as helping maintain your loved one’s standard of living.

Typically, life insurance is paid out on death or on diagnosis of a terminal illness where life expectancy is estimated at 12 months or less.

Check what life may have in store for you with our user friendly Risk Reality Calculator.

By assessing your current situation, including income, expenses, financial commitments, dependants, and future plans we can recommend the most suitable life insurance policy for you.

If you would like to know more about our life cover options, please contact us – our friendly team would be delighted to help you find the financial security you need.

Critical Illness Cover

Macmillan Cancer have said that 1 in 2 of us will suffer from Cancer in our life time, but how would a cancer diagnosis affect you and your loved ones? 

A cancer diagnosis is no longer the death sentence it once was, but it can still have a huge financial impact on you and your family.

Would your income suddenly stop if you were unable to work?
Could you keep up regular payments on your mortgage/rent and utilities bills?
What about the additional costs of travelling to hospital for treatment, potentially medical costs?
Although we may be fit and healthy now, our health can change quickly and the financial impact of contracting a serious illness such as cancer can be devastating not just emotionally, but also financially.

Critical Illness Cover (also known as Cancer Cover) can help ease the financial burden that comes with loss of health by clearing your mortgage and debts, putting a tax free lump sum in your bank account and letting you concentrate on your health.

Critical illness cover has improved dramatically over recent years, making it easier than ever to receive financial help if are diagnosed with a serious illness such as Cancer, Heart Attack, Stroke, Multiple Sclerosis, Dementia or one of the many other conditions todays policies cover.

At First Stop Mortgages & Protection NI, we can talk to you about the advantages and disadvantages of critical illness cover and use our expertise to help you to identify the best level of cover based on your personal circumstances.

Check what life may have in store for you with our user friendly Risk Reality Calculator

Contact us to find out more about critical illness insurance and how we can help to give you peace of mind over your future financial security.

Income Protection

Our single biggest asset is our ability to work and earn an income. But what if your income suddenly stopped today?
How long could you keep your phone, your internet, your car, and your home? 

Wage Replacement (Income Protection) is the single most important insurance policy you can take.

Simply put, if you are unable to work due to an accident or illness this policy will provide you with a tax free monthly benefit until you can return to work or reach the end of your benefit period.

Benefit periods can last 12 months, 24 months, 5 years or until retirement, depending on the policy you take at the time.

A 30-year-old male non-smoker has a 34% chance of being unable to work for 2 months or more due to an accident or illness.

Check what life may have in store for you with our user friendly Risk Reality Calculator
At First Stop Mortgages & Protection NI, we can talk to you about the advantages and disadvantages of wage replacement insurance and use our expertise to help you to identify the best level of cover based on your personal circumstances.

Contact us to find out more about wage replacement insurance and how we can help to give you peace of mind over your future financial security.