We all need to be protected for peace of mind

INCOME PROTECTION

We all need to be protected. What would happen if a sudden illness, disability, job loss or death occurred? We can help provide you with the peace of mind that comes with knowing you are protected if something should happen.

We offer the following types of protection:

Life Cover

This comes in two forms: Level Term Assurance and Decreasing Term Assurance. (Level Term Assurance will give you the same amount of cover throughout 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, 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. This cover pays out a lump sum should you be diagnosed with a serious illness. Illnesses covered vary depending on the provider and type of policy.

Income Protection Insurance

Also known as permanent health insurance aims to give you an income if you cant work in the event of sickness or illness. The amount of cover can be anything up to three-quarters of your normal wage, less any state benefits you recieve. For the self-employed insurers usually base the level of cover on your taxable income at the point of a claim. All pay-outs for income protection insurance are usually tax free and usually continue until you recover or reach your selected pension age/term of the policy.

Mortgage Payment Protection Insurance

Also known as Accident, Sickness and Unemployment Insurance, covers your monthly mortgage payments and certain related costs for a specified period of time if you are suddenly unable to work due to an accident, sickness or involuntary unemployment.

This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

The typical cost is £5.53 per £100 of monthly benefit. This is based on someone aged 35 and with a 30 day waiting period.

Our Clients’ believe we’re
the right team…

Mr S
June 2019

Have had previously dealt with Gavin and had a good experience. I was very impressed with his customer service and communication through the whole process.

Get in touch today for more information…

CONTACT US

GBFC Mortgage Centre
32 Sycamore Drive
Torpoint
Cornwal
PL11 2NA

01752 814 457

07968 149 066

Office hours:

Mon-Fri: 9:00 – 17:00
Sat & Sun: Appointment Only
Evening appointments available on request

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Gavin Bettinson t/a GBFC Mortgage Centre is an appointed representative of Primis Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. The Financial Conduct Authority does not regulate all Buy to Let mortgages.

This firm charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity, but will be a fee of between £200 and £300. The precise amount will depend on your circumstances. This fee is payable on application. We will also be paid a fee from the lender.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

Wills and Overseas mortgages are not regulated by the Financial Conduct Authority.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED AGAINST IT. Securing short term debts against your property could increase the term over which they are paid and therefore increase the overall amount payable.

Wills and some trusts are referred to a 3rd party. GBFC Mortgage Centre and PRIMIS Mortgage Network are not responsible for any advice received from the 3rd party.