Protecting what matters most.
Buying a home, building a business and supporting a family often involve significant financial commitments. But have you considered how your finances might be affected if you were to die, become seriously ill or find yourself unable to work?
Four types of cover
Life assurance
Critical illness cover
Income protection
Whole of life cover
PROTECTION & INSURANCE
Financial protection, explained
At Cloud Mortgage Services, we believe financial planning should involve more than arranging a mortgage. It can also involve considering how you and those who depend on you might manage financially if unexpected circumstances arise.
Protection insurance is designed to provide financial support in certain situations, subject to the terms, conditions and exclusions of the policy.
We can help you explore different types of protection, understand their potential benefits and limitations, and consider whether they are appropriate for your individual needs and budget.
Protection isn’t simply about preparing for the worst. It’s about considering the financial security of the people and things that matter to you.
YOUR OPTIONS
Which type of protection is right for me?
Different protection products are designed to address different financial risks.
Life assurance
Provides a payment following death during the period of cover, subject to policy terms.
Critical illness cover
Provides a lump sum following a qualifying serious illness or medical event.
Whole of life cover
Provides lifelong death cover, provided the policy remains in force and its conditions are met.
Some people may benefit from a combination of policies, while others may have existing arrangements through their employer or other sources.
The amount and type of protection appropriate for you will depend on your personal circumstances, financial commitments, existing benefits, dependants and budget.
At Cloud Mortgage Services, our aim is to help you understand the options and consider protection arrangements appropriate to your needs.
Important information about protection insurance
Protection policies are subject to eligibility, underwriting, policy terms, conditions and exclusions. The benefits available, premiums payable and circumstances in which a claim may be accepted vary between providers and products.
Failure to maintain required premiums may result in the loss of cover. Claims are not guaranteed and must meet the conditions of the relevant policy.
Our advisers can explain the relevant features, benefits, limitations and costs to help you consider suitable protection arrangements.
Build your future. Protect what matters.
Talk to an adviser about the protection that fits your circumstances.