The Importance of Life Insurance

Buying a home is one of life’s biggest milestones – a place to grow, create memories, and build a future. But while we focus on getting the keys, securing the best rate, and arranging the move, there's one vital step many overlook. Protecting that home, and the people inside it if life throws a curveball.

Why Life Insurance Shouldn’t Be an Afterthought

A mortgage is a major financial responsibility. Life insurance offers reassurance that, should the worst happen, your loved ones won’t face the burden of keeping up with the mortgage on their own.

• Life insurance pays a tax-free lump sum if you pass away during the policy term.
• Critical illness cover pays out if you're diagnosed with a serious illness listed in your policy.

Both are designed to cover major expenses like your mortgage, so your family can stay in their home and focus on healing, not finances.

Peace of Mind for Life’s Uncertainties

None of us like to dwell on "what ifs". But knowing your family will be financially secure can bring peace of mind. It’s not just about money – it’s about:

• Giving your family the time and space to cope without added stress.
• Ensuring your home remains your family’s safe space.
• Supporting day-to-day living expenses, medical bills, or childcare if you’re seriously ill.

Tailoring Your Cover to Fit Your Life

There’s no one-size-fits-all when it comes to protection. You can choose:

• Life cover only – if your main concern is leaving support behind.
• Critical illness cover only – if you want support in case of serious illness.
• A combination of both – for broader protection.

Think about how long you need cover. If you have a 25-year mortgage, it makes sense to match the policy term. You can also choose how much you want the policy to pay out – enough to cover the full mortgage, or more to support your family with other costs

Seek Professional Guidance

Let Windsor Hill Mortgages help you choose wisely. Our expert team is here to make protection planning straightforward. We’ll help you:

• Align your policy with your mortgage and financial goals.
• Understand the options.
• Choose the right type and level of cover.

Speak to our team today and we'll take you through your mortgage options.