Protection At Key Finance UK we offer a range of protection services. These include: Life Insurance and Critical Illness Cover Life insurance is simply there to ensure the mortgage is repaid if you die. Critical illness cover is designed to provide a cash lump sum which could be used to pay off your mortgage if you suffer a critical illness such as a heart attack or cancer. Q: How would your family manage if you or your partner were to die during the mortgage term? In the event of premature death, the last thing you would want is for those left behind to struggle financially. Whether you want to pay off your debts in this event, or provide an additional lump sum for your dependents, Key Finance UK offers expert advice to make sure you get the right product for you and your family. Q: How would you & your family manage if you were to suffer a serious illness during the mortgage term? This situation can be a real problem if you are left unable to work and without any income other than state benefits. With a critical illness policy we can help you repay your debts & provide for your future if one of you were to develop a critical illness. It is often possible to combine the cost of critical illness protection within your life policy to keep costs down.

Income Protection

Income protection cover will provide you with a replacement income to cover your mortgage & associated bills if you are unable to work because of an accident or long term sickness.

Q: What sort of problems would you & your family have if you were off work due to accident or long term sickness?
This could be a short term or even a permanent problem. If something happens to stop you carrying out your normal occupation, state benefits alone are very rarely enough to keep you afloat. We can provide you with income protection cover, to start paying out when your employer stops.

Any of these could affect you & your family. We are able to talk through these options with you to see what you need & what you don’t! Then we will help you select the right level of cover for you.

Accident, Sickness & Unemployment Cover Your mortgage is likely to be the largest & most important financial commitment you will make. With this in mind, you need to be certain that you will have enough money to meet your repayment if you lose your job, or suffer an accident or illness. This type of cover is used to help out in the short term if something happens to stop you carrying out your normal occupation. State benefits alone are very rarely enough to keep you afloat. We can provide you with income protection cover, to start paying out when your employer stops. We recommend that you consider protecting your mortgage & associated bills in the event of you being unable to work through accident, sickness or unemployment. Our advisers can provide a quote & arrange this cover for you.

Buildings and Contents Insurance

All lenders require you to fully insure the property for the total cost of rebuilding it. It’s also strongly recommended that you take out contents insurance. Our advisers can arrange this cover for you.

Through Paymentshield we are able to offer a choice of policies, with the option of up to 3 months deferred cover when you start your plan.

We can also offer policies for landlords as well as homeowners. Any policies recommended offer a combination of competitive prices and outstanding levels of cover, to make sure that your home is fully protected.

What’s more, we can provide you with an instant quote & complete the application forms for you.