Individual Insurance

How would your family cope if you were to die or have a critical illness? Death, illness or redundancy can be devastating on your family. Many people don’t like to think about death or serious illness and even if they do, they’ll say they don’t need protection because, “It’ll never happen to me”.

But with the right protection in place, you and your family need not worry about your finances. None of us know what life may bring, so whilst our lives are going well, we should ensure that we put effective plans in place in case that should change.

 

With access to the UK’s leading insurance providers, all of the Yes Mortgage Services Mortgage Advisors and our Specialist Protection Advisor can assist you to in determining which types of protection (insurance) cover best suits your personal needs, and compare insurance quotes to ensure that you get the right level of cover, at the best price. They will also complete all the necessary application forms, removing the time and hassle from you.

Below we explain what the various personal protection insurances cover you for but life insurance and critical illness cover should be at the top of your list when thinking of insurance priorities. Surprisingly, protecting yourself and your family may not be as expensive as you might think.

What do the Various Protection Insurances Cover You For:

Life Insurance

Life insurance, sometimes referred to as term insurance or life assurance will provide a sum of money in the event of death during the term of the policy. This cash lump sum is paid tax free and can be used by your dependents however they choose.

Critical Illness

Critical illness insurance will provide a tax free cash sum in the event that you are diagnosed with one of a set list of critical illnesses (most policies cover 30-40) where your diagnosis meet the providers definition.

Critical Illness protection is there to provide financial stability at a time that it is needed the most, it could be used to clear a mortgage or it could be used to replace a lost income, pay for private treatment or for whatever else you feel is required.

Income Protection Insurance

Income Protection Insurance, can also be called Mortgage Payment Protection and Accident and Sickness Protection – is designed to pay you a monthly income to help replace any lost income, should you not be able to work due to accident or sickness.

Family Income Protection

Family income benefit is a type of life insurance, that provides beneficiaries with a regular, fixed, tax-free until the end of the policy term, as chosen at the outset by the policyholder. It is an alternative to level term insurance, it aims to replace the lost income if the person insured dies. Level term insurance pays out a one off lump sum if the person insured dies. Family income benefit pays a monthly income instead.

No benefit is issued if a claim has not been made before the policy expires.

Whole of Life

Whole-of-life insurance is designed to pay out a lump sum to your loved ones when you die. It is designed to last designed to last as long as you do. You pay in a premium every month and when you die, the policy pays out a lump sum to your loved ones. These funds could be used to any Inheritance Tax liabilities, cover funeral costs or provide funds to pay for care costs.

Flexibility of appointments. In the same way our Mortgage Advisors offer a range of flexible appointment times and locations, that work for you including telephone or face to face meetings, this extends across to our Protection Insurance services.

Our advisor will also complete all the necessary application forms, removing the time and hassle from you.

Our guidance, advice and work to secure you a quote for your insurance and protection cover is completely free and with no obligation, so contact us today.

DOWNLOAD THE LATEST COPY OF OUR MORTGAGE AND PROPERTY MAGAZINE

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Did you know that your regular contents insurance might not cover your treasured jewellery? If its value exceeds the cap set by your insurance provider, you'll need to include high-value cover to keep your jewellery protected.⁣
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Don't put your valuable jewellery at risk - contact Kelly today to review your policy and ensure you have the right coverage in place. Get in touch on 0800 612 5596 for a chat.⁣
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#jewelryofinstagram #jewelryobsessed #jewelleryaddict #jewellerylovers #jewellerylove #antiquejewelryaddiction #jewellerylover #finejewellery #vintagejewelry #antiquejewelryaddiction#jewelryaddict #dorsetlife #insurancebrokers #insuranceconsultant #insuranceadvisor #dorsetbusiness #dorset #insurancetips #insurancepolicies

Did you know that your regular contents insurance might not cover your treasured jewellery? If its value exceeds the cap set by your insurance provider, you`ll need to include high-value cover to keep your jewellery protected.⁣

Don`t put your valuable jewellery at risk - contact Kelly today to review your policy and ensure you have the right coverage in place. Get in touch on 0800 612 5596 for a chat.⁣

...⁣

#jewelryofinstagram #jewelryobsessed #jewelleryaddict #jewellerylovers #jewellerylove #antiquejewelryaddiction #jewellerylover #finejewellery #vintagejewelry #antiquejewelryaddiction#jewelryaddict #dorsetlife #insurancebrokers #insuranceconsultant #insuranceadvisor #dorsetbusiness #dorset #insurancetips #insurancepolicies
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In addition to the higher interest rates and larger deposits, non-standard construction mortgages may have other specific requirements. For example, lenders may require a specialist survey of the property or ask for additional documentation.⁣
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If you're thinking about buying a non-standard construction property, it is important to speak to a mortgage broker as early as possible. ⁣
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Our team of experts is on hand to help you understand the process and ensure you get the right deal - without charging you a broker fee! Call us on 0800 612 5596 or send us a message to arrange a chat.⁣
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
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#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #property #newhouse #housebuying #homebuyertips #mortgagetips #movingtips #dreamhome #homesweethome #househunting #homesearch #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset  #mortgageexperts #westcountry #mortgage

In addition to the higher interest rates and larger deposits, non-standard construction mortgages may have other specific requirements. For example, lenders may require a specialist survey of the property or ask for additional documentation.⁣

If you`re thinking about buying a non-standard construction property, it is important to speak to a mortgage broker as early as possible. ⁣

Our team of experts is on hand to help you understand the process and ensure you get the right deal - without charging you a broker fee! Call us on 0800 612 5596 or send us a message to arrange a chat.⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #property #newhouse #housebuying #homebuyertips #mortgagetips #movingtips #dreamhome #homesweethome #househunting #homesearch #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
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As a family-run business, we always go the extra mile for our clients:⁣
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🌟 Offering a single point of contact who will cut through the jargon and answer all of your questions, big or small.⁣
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🌟 Giving you the ability to track your application progress and upload and submit your documents securely⁣
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🌟 Scheduling consultations at a time and place that suits you, even on evenings and weekends⁣
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🌟 Mix of military veterans and civilians – shared ethos, shared core values – trusted honest, open, clear advice.⁣
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We'll look at your personal circumstances and offer tailored mortgage advice to suit your needs. And the best bit is we don't charge a broker fee! Send us a message or give us a call on 0800 612 5596.⁣
⁣
...⁣
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
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...⁣
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#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes  #foreverhome #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser

As a family-run business, we always go the extra mile for our clients:⁣

🌟 Offering a single point of contact who will cut through the jargon and answer all of your questions, big or small.⁣

🌟 Giving you the ability to track your application progress and upload and submit your documents securely⁣

🌟 Scheduling consultations at a time and place that suits you, even on evenings and weekends⁣

🌟 Mix of military veterans and civilians – shared ethos, shared core values – trusted honest, open, clear advice.⁣

We`ll look at your personal circumstances and offer tailored mortgage advice to suit your needs. And the best bit is we don`t charge a broker fee! Send us a message or give us a call on 0800 612 5596.⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣


#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser
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A guarantor mortgage could be the answer 👇⁣
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These mortgages allow a parent or family member to guarantee your loan, making it easier for you to secure a mortgage. ⁣
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But be aware that if you miss a mortgage payment, they will be responsible for paying, so it's important to weigh up the pros and cons before making a decision.⁣
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We can look at your personal circumstances and offer advice on the best way for you to get onto the property ladder. And the best bit is we don't charge a broker fee. Send us a message or give us a call on 0800 612 5596.⁣
⁣
...⁣
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
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#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes  #foreverhome #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser

A guarantor mortgage could be the answer 👇⁣

These mortgages allow a parent or family member to guarantee your loan, making it easier for you to secure a mortgage. ⁣

But be aware that if you miss a mortgage payment, they will be responsible for paying, so it`s important to weigh up the pros and cons before making a decision.⁣

We can look at your personal circumstances and offer advice on the best way for you to get onto the property ladder. And the best bit is we don`t charge a broker fee. Send us a message or give us a call on 0800 612 5596.⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #ringwood #hampshireuk #mortgageadviser
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We're delighted to welcome Ashley to our team 🎉⁣
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Ashley started his career in mortgages in 2007 and has since covered general insurance and protection as well. ⁣
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Having lived in Bournemouth all of his life, he's a big fan of the sun and sea 🌊⁣
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When he isn’t helping first-time buyers (or other clients) find the right mortgage, he's spending time with friends and family or taking his “Chief” out for a nice walk 🐶⁣
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Welcome to the team Ashley!⁣
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#mortgagebrokeruk #mortagebrokers #ukmortgages #mortgagespecialists #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #mortgageadviser

We`re delighted to welcome Ashley to our team 🎉⁣

Ashley started his career in mortgages in 2007 and has since covered general insurance and protection as well. ⁣

Having lived in Bournemouth all of his life, he`s a big fan of the sun and sea 🌊⁣

When he isn’t helping first-time buyers (or other clients) find the right mortgage, he`s spending time with friends and family or taking his “Chief” out for a nice walk 🐶⁣

Welcome to the team Ashley!⁣


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#mortgagebrokeruk #mortagebrokers #ukmortgages #mortgagespecialists #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness #mortgagetips #mortgageexpert #devonproperty #bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #mortgageadviser
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5 1
Getting a mortgage on a non-standard property may involve higher interest rates or larger deposit requirements, but with careful planning and expert help, your homeownership dreams can become reality!⁣
⁣
Our team of experts are on hand to connect you with accommodating lenders and help negotiate favourable terms. Click the link in our bio to learn more.⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #property #newhouse #housebuying #homebuyertips #mortgagetips #movingtips #dreamhome #homesweethome #househunting #homesearch #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset  #mortgageexperts #westcountry #mortgage

Getting a mortgage on a non-standard property may involve higher interest rates or larger deposit requirements, but with careful planning and expert help, your homeownership dreams can become reality!⁣

Our team of experts are on hand to connect you with accommodating lenders and help negotiate favourable terms. Click the link in our bio to learn more.⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#nonstandardconstruction #thatchedroof #gradeii #thatchedcottage #property #newhouse #housebuying #homebuyertips #mortgagetips #movingtips #dreamhome #homesweethome #househunting #homesearch #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
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🕗🏡 We offer appointments at a time and place that suits you⁣
⁣
So whether you need mortgage advice in the evenings once the kids have gone to bed or at the weekend when you're not busy with work - we are available for you. ⁣
⁣
And the best bit? We don't charge a broker fee so our advice to you is free!⁣
⁣
Send us a DM or call us on 0800 612 5596 to book your appointment.⁣
⁣
...⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset  #mortgageexperts #westcountry #mortgage #nobrokerfee #homemovermortgage #lookingtomove #homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty

🕗🏡 We offer appointments at a time and place that suits you⁣

So whether you need mortgage advice in the evenings once the kids have gone to bed or at the weekend when you`re not busy with work - we are available for you. ⁣

And the best bit? We don`t charge a broker fee so our advice to you is free!⁣

Send us a DM or call us on 0800 612 5596 to book your appointment.⁣

...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage #nobrokerfee #homemovermortgage #lookingtomove #homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty
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3 0
If you’re not registered to vote, or you’re still registered at an old address, it can affect your chances of getting a mortgage. Banks and lenders use the electoral roll for basic identity checks, so it's always a good idea to make sure your details are up to date. ⁣
⁣
Are you ready to take on the exciting journey towards homeownership? Follow us for more tips on securing the right mortgage for you.⁣
⁣
...⁣
⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes  #foreverhome #mortgageadvice #mortgagehomes #propertymarket #hampshirelife  #mortgageprocess #mortgagebrokeruk #homeuk #mortagebrokers #homeownership #dreamhome #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness

If you’re not registered to vote, or you’re still registered at an old address, it can affect your chances of getting a mortgage. Banks and lenders use the electoral roll for basic identity checks, so it`s always a good idea to make sure your details are up to date. ⁣

Are you ready to take on the exciting journey towards homeownership? Follow us for more tips on securing the right mortgage for you.⁣

...⁣


Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#movinghouse #buyingahouse #propertybuyers #letsbuyahouse #dreamproperty #housemove #newhome #moving #homes #foreverhome #mortgageadvice #mortgagehomes #propertymarket #hampshirelife #mortgageprocess #mortgagebrokeruk #homeuk #mortagebrokers #homeownership #dreamhome #mortgageadvisor #nobrokerfee #dorset #mortgagesmadesimple #dorsetbusiness
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When your current mortgage deal comes to an end, you’ll be transitioned to your mortgage lender’s standard variable rate which often had higher interest rates and costs you more money.⁣
⁣
But if you secure a new mortgage deal before your current one expires you can transition smoothly into your new mortgage, avoiding your lender’s high-cost standard variable rate and ultimately saving you money!⁣
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If the thought of remortgaging is sending your head in a spin, get in touch. Our team of experts can guide you to find the most suitable remortgage options for your unique situation - without charging you a broker fee! 

Call us on 0800 612 5596 or send us a message.⁣
⁣
...⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#homeownerlife #moneymanagementtips #refinanceyourmortgage #refinancemortgage #homeowner #remortgages #mortgageuk  #homeownertips #financialeducation #lovewhereyoulive #homeimprovements #remortgageuk #propertyeducation #housetips #homesweethome #mortgageadvice #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset  #mortgageexperts #westcountry #mortgage

When your current mortgage deal comes to an end, you’ll be transitioned to your mortgage lender’s standard variable rate which often had higher interest rates and costs you more money.⁣

But if you secure a new mortgage deal before your current one expires you can transition smoothly into your new mortgage, avoiding your lender’s high-cost standard variable rate and ultimately saving you money!⁣

If the thought of remortgaging is sending your head in a spin, get in touch. Our team of experts can guide you to find the most suitable remortgage options for your unique situation - without charging you a broker fee!

Call us on 0800 612 5596 or send us a message.⁣

...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#homeownerlife #moneymanagementtips #refinanceyourmortgage #refinancemortgage #homeowner #remortgages #mortgageuk #homeownertips #financialeducation #lovewhereyoulive #homeimprovements #remortgageuk #propertyeducation #housetips #homesweethome #mortgageadvice #ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage
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"After a fantastic recommendation from a friend Andrew came to see us regarding a Mortgage dilemma, which he solved immediately. Great company and will recommend to anyone needing a mortgage. He made it uncomplicated and gave us the best advice. Thanks Andrew."⁣
⁣
Looking for mortgage advice? Rest assured, we'll be by your side every step of the way. We'll cut through the jargon, answer any questions you have, and ensure you get the best possible outcome. Our advice to you is FREE, so why not get in touch for a chat - call us on 0800 612 5596 or send a DM⁣
⁣
...⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset  #mortgageexperts #westcountry #mortgage #nobrokerfee #homemovermortgage #lookingtomove #homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty

"After a fantastic recommendation from a friend Andrew came to see us regarding a Mortgage dilemma, which he solved immediately. Great company and will recommend to anyone needing a mortgage. He made it uncomplicated and gave us the best advice. Thanks Andrew."⁣

Looking for mortgage advice? Rest assured, we`ll be by your side every step of the way. We`ll cut through the jargon, answer any questions you have, and ensure you get the best possible outcome. Our advice to you is FREE, so why not get in touch for a chat - call us on 0800 612 5596 or send a DM⁣

...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#ukmortgages #mortgagespecialists #mortgages #hampshirebusiness #ukmortgage #mortgagesuk #wellingtonsomerset #mortgageexperts #westcountry #mortgage #nobrokerfee #homemovermortgage #lookingtomove #homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty
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5 0
What's the best mortgage? How much can I borrow? What deposit do I need? 🤯 It can all be a bit much when buying your first house.⁣
⁣
Our mortgage advisors are here to guide you every step of the way, cutting through the jargon and answering any questions you may have (even the ones you think might be silly). ⁣
⁣
Our advice to you is FREE, so why not get in touch for a chat - call us on 0800 612 5596 or send a DM.⁣
⁣
...⁣
⁣
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣
⁣
...⁣
⁣
#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #firsttimebuyerspecialist #firsthometogether #firsttimehomebuyertips #firstimebuyer #firsttimebuyersuk #homebuyingprocess #homeownership #firsttimehomebuyer #followyourdreams #propertyeducation

What`s the best mortgage? How much can I borrow? What deposit do I need? 🤯 It can all be a bit much when buying your first house.⁣

Our mortgage advisors are here to guide you every step of the way, cutting through the jargon and answering any questions you may have (even the ones you think might be silly). ⁣

Our advice to you is FREE, so why not get in touch for a chat - call us on 0800 612 5596 or send a DM.⁣

...⁣

Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.⁣

...⁣

#househunter #homebuyeradvice #buyingahouse #hometips #ukhomes #mortgageoffer #propertytips #propertyfinder #houseaddictive #ukproperty #firsttimebuyerspecialist #firsthometogether #firsttimehomebuyertips #firstimebuyer #firsttimebuyersuk #homebuyingprocess #homeownership #firsttimehomebuyer #followyourdreams #propertyeducation
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