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 www.mylastwill.co.uk/coupon/MANI-50) – 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.

Roberta Morais
Roberta Morais
29/01/2021
Great financial advice in dealing with our house insurance and mortgage. Always makes time for wee chats and a bit of banter. Would highly reccomend Rodney and his team!
Ryan Mckee
Ryan Mckee
29/01/2021
Professional service with excellent staff who made the process of getting a mortgage straightforward, clearly explaining each step.
Richard Black
Richard Black
29/01/2021
Very professional and superb service provided. These guys will go the extra mile to get the best deal and even went out of there way to follow up and get our mortgage pushed through more efficiently than expected. Very pleased with the service provided.
Jonathon Chambers
Jonathon Chambers
28/01/2021
It feels like doing business with friends. Makes the process so easy, never the less on there end of things it is dealt within an extremely professional level. I'll never have to look elsewhere 😊
Paulius Juknevicius
Paulius Juknevicius
27/01/2021
Great company, briliant service, provides information to the smallest detail. Would definetely recommend.
Eámonn O'Leary
Eámonn O'Leary
27/01/2021
Excellent assistance with not only the mortgage process but the whole first time buyer process. Fantastic service and responsiveness, really glad we went with Mortgage Angels!
Laser Lettings
Laser Lettings
25/01/2021
This company & i have done business in the past & still are & i must say they are top at there game , nothing is a problem & everything runs like clock work, very professional & would have no problem recommending them onto anyone.
Christopher McMinn
Christopher McMinn
22/01/2021
Rodney, Elaine, Ethan and the team are fantastic at sorting out your Mortgage advice and insurances to go with it. Excellent service is guaranteed!
Philip Kee
Philip Kee
20/01/2021
Mortgage Angels are a superb company that offer great advice and peace of mind. They present all the different options and work through each one to find the best for you. We have trusted them with everything insurance related and would recommend them to everyone