Insurance &
Protection Advice

What happens if you can’t pay your mortgage? We offer protection planning advice for contents & buildings insurance, life insurance, critical illness cover and income protection. Complete our booking consultation for more information.

We offer protection planning advice in an open and straightforward manner. We work with you to find the right insurance for your financial circumstances by reviewing a variety of market options.

Lonsdale Mortgages is rated 5* on Google and we are committed to delivering an excellent customer experience. Our core principles of integrity, reliability and value mean we always put your interests first when deciding what cover, you need.

If you die life insurance can pay your dependants money as a lump sum or regular payments so your mortgage can be paid. There are different types of life insurance, these include level term assurance, decreasing term assurance and family income benefit.

This insurance pays out a chosen lump sum if you are diagnosed with a critical illness or disability, usually serious or long-term conditions. It can be added to a life insurance policy which would pay out in the event of death or an earlier critical illness, or purchased as a separate policy.

Income protection pays out a percentage of your salary if you can’t work because of illness or disability. It pays monthly tax-free payments if you haven’t been able to work due to illness after a deferred period, usually three or six months. Payments stop when you return to work or the policy ends.