INCOME INSURANCE

Income Protection Insurance

This long term insurance can replace a percentage your income for as long as you are of work through illness. It usually covers the policy up until retirement. It is a complex type of cover and there are many instances of such policies being inappropriate in that they will only pay out under exceptional circumstances. In short you need specialist advice and we will provide it. We will ensure that the policy recommended does exactly what you want it to and not what the insurer wants it to.

Accident Sickness and Redundancy Insurance

A short term solution. This type of insurance can cover your mortgage payments (or over and above this amount if you wish) in the event of illness or an accident for up to 2 years. It can also be tailored to pay out if you are made unemployed through no fault of your own or ,if self employed, you are forced to cease trading. With all the uncertainty in the jobs market at the moment, this type of insurance has become increasingly relevant. Again it is important to obtain advice with regard to this type of cover. We will be happy to provide it.

Alun Davies ~ Adapt Mortgages, 6 Colchester Avenue, Penylan, Cardiff CF23 9BP
tel 029 2048 0555 mob 07799 073 215 e-mail alun@adaptmortgages.co.uk

regulated by the Financial Conduct Authority

“Your home may be repossessed if you do not keep up repayments on your mortgage.”