Personal Protection

The importance of protecting your future

It’s one of those horrible facts of life that things can happen that affect the safety and security of those closest to you. Making sure they’re looked after and able to cope financially if you were no longer around will give you peace of mind and reassurance for the future.

Life Assurance

Level or decreasing life cover is designed to pay out a lump sum if you die during the policy term. This comes in two main forms: Level Term Assurance or Decreasing Term Assurance.

Level Term Assurance will give you the same amount of cover during the life of the policy and pay-out that amount if you make a claim.

Decreasing Term Assurance will decrease over the term, usually to match your decreasing mortgage amount owing on a repayment mortgage, and pay-out the current amount when a claim is made.

Critical Illness Cover

To cover you and your family against the financial impact of a critical illness and loss of income through sickness.

Critical Illness Cover can be purchased as a standalone policy or in conjunction with another policy type. Critical Illness cover will pay you a lump sum should you be diagnosed with any one of a wide range of critical illnesses, the main three being cancer, stroke and heart attack. If you were to suffer from one of these critical illnesses chances are that if you do not die, you will be unable to work and enjoy the same kind of income – your existing commitments, however, will still have to be met. Any other life cover you have in place without this protection would only pay out if you were to die.

Private Medical Insurance

Our NHS is under ever increasing pressure and waiting times for treatment are at an all-time high.

So if you’re considering protecting you and your family, or your employees against unexpected illness, Private Health Insurance is a great way to cover that possible eventuality, getting you access to the best treatments available as quickly as possible. We can offer a bespoke solution from a wide range of products to cater for all budgets. Be that from a single individual to a large scheme with many employees.

You might have a current plan in place and we would be happy to provide you with a comparison and review of your current arrangements. We have access to the 4 largest Private Health providers in the UK enabling us to offer a wide selection of products.  As standard, we will provide you with an annual review of your current arrangements, making sure you are getting the best rates and products available.

Mortgage Angels (NI) Ltd act as a credit broker not a lender for private medical insurance.

Arrange An Appointment With Our Personal Protection Specialists

At Mortgage Angels we specialise in matching our clients with the most suitable mortgage and insurance protection packages for all circumstances.
We have helped clients in Dungannon, Cookstown, Magherafelt, Craigavon, Omagh with their mortgage & life assurance needs, as well as further afield in Enniskillen, Lisburn, Belfast, Bangor.

Income Protection Insurance

This cover will pay you a regular income benefit if you suffer illness or accidental injury and are unable to work leading to loss of earnings.

This is a long-term policy that pays out if, during the policy term, you can’t work and suffer a loss of earnings due to illness or injury. It’s a sad fact of life that an individual’s outgoings don’t necessarily stop if their income did. An Income Protection policy can help people cope financially if they are unable to work because they’re sick or injured. Policies can be tailored to suit individual requirements.

Income protection isn’t just solely relevant to our clients who have a mortgage, those who rent a property could also be exposed financially if they couldn’t work due to illness or injury.

Home Insurance

You need to protect your home against flood, fire, theft and other perils. We can offer you competitve quotes on your Home Insurance through our panel of providers. We can offer you the following products:

Buildings Insurance – Lenders will require you to have buildings insurance on the property you own or let. This covers you for rebuild costs after damage caused by floods, fire or other unforeseen events.

Contents Insurance – This will cover your contents in case of loss, theft or damage. In the event of a claim you will get the item(s) replaced or the money to replace them.

Buy to Let Insurance – For your investment properties.

Commercial Insurances – For your business needs.

Mortgage Angels (NI) Ltd act as a credit broker not a lender for buildings and contents insurance.

Create A Will Online

We have recently partnered with the estate planning company MyLastWill to provide Will writing services to our clients.

If you haven’t made your Will yet you can get 50% off through Mortgage Angels NI by using the voucher code MANI-50 at the checkout (or by following this link – this means that your Will only costs £40.

If you are available to book a free financial review, I am happy instead to cover the full cost of having your Will(s) created, to organise this please just let me know when you are available and we can set a time.

If you have any other mortgage, protection or will related questions, I am always here to help.

Heavenly Advice On Mortgages & Protection

At Mortgage Angels we specialise in matching our clients with the most suitable mortgage and insurance protection packages for all circumstances.

Ciara McCafferty
Ciara McCafferty
Rodney and his team are fantastic. They walked us through every step of the process with clear explanations answering any and all questions along the way. Couldn't recommend them enough.
Ivan Flack
Ivan Flack
Celine and I have been using Mortgage Angels for quite a while now and would have no hesitation in recommending them to anyone! They looked after our last Mortgage, Life, Building and Contents Insurance and managed to save us almost £300.00 on Buildings/Contents. Many thanks to Rodney, Elaine, and Dylan who deliver superb service at every turn... They have surpassed all expectations in customer service!
William Martin
William Martin
Mortgage angels arranged my mortgage for me at quite a difficult time. Throughout the whole process I felt very reassured by their professionalism and friendliness, they also arranged life and house insurance for me and helped remove a lot of work at a very busy time. Communication was excellent throughout the whole process and the whole team seemed to be really lovely, I'd recommend them to anyone.
Excellent, professional service from all staff at Mortgage Angels. Mortgage application was a smooth process and stress free from start to finish. Can highly recommend Mortgage Angels for all your needs. Thanks again from Paul and Charlene Kane
Mark Hetherington
Mark Hetherington
Been with Mortgage Angels for a couple years and they have brilliant the whole time, always helpful and willing to go the extra mile to make sure everything is 100%. They are extremely professional at all times and always make sure you get everything you need. Would highly recommend their services to anyone as I personally will always stay with them.
Tanya Porter
Tanya Porter
Very good company and always very helpful. All there staff are very friendly
Hanna Sisters
Hanna Sisters
An outstanding service as always. I have used Rodney and his team for a number of years now and would highly recommend this attentive, efficient and professional company. Thank you.
Katherine McCausland
Katherine McCausland
5* Excellent customer service! Very professional team. Dillon was very helpful and informative. Dillon is an asset to Mortgage Angels.
Michael McClinton
Michael McClinton
Always fantastic service from Rodney and team, Great communication and extremely knowledgeable.
Clare Maguire
Clare Maguire
We have been dealing with Rodney and his team since 2008, firstly for our home mortgage and life insurances. More recently he helped us with a buy to let mortgage and helped us review our other insurances. Rodney is very knowledgeable in his field and we greatly appreciate all the help he has given us. He comes highly recommended by us, and we will definitely use him again for any further mortgage and insurance advice we need! Top class!