Protection
Making sure you are covered when things go wrong
Thinking about the consequences should anything happen to the main breadwinner isn’t something any of us want to contemplate.
However, it is important when arranging your mortgage to take the time to protect you and your family should the unthinkable happen.
Put simply, protection products are policies that are arranged to provide you and your family with either a lump sum or a regular income should you become seriously ill, or in the event of your death.
We have listed some of the most popular types of insurance below.
But for more information on which protection policy best suits your needs call our expert team today.
Life Insurance
Life insurance, also known as term insurance or life assurance, will provide a sum of money in the event of death during the term of the policy. This cash lump sum is paid tax free and can be used by your dependents however they choose. Life insurance can be used to cover a mortgage, other loans or to ensure that your family is protected from the effects of having to repay a debt.
Income Protection
An Income Protection Plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income for as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age).
Critical Illness Cover
A Critical Illness Plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. This type of plan was created for those individuals or families who want a lump sum if they are diagnosed with a serious illness. As an example of where this lump sum could be used is to repay a loan, mortgage, or to perhaps pay for time off work.
Family Income Benefit
Family Income Benefit is a life insurance policy which is set for a period of time known as the term. If you die within this period the policy will pay out a regular tax-free income until the end of the term. For example, if you have a 20-year policy and die within 5 years, the policy will pay out the remaining 15 years.
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What our clients say about us
Thank you very much Oliver. If anyone ever asks me for a recommendation, I shall certainly be giving them your direct contact details. You have been excellent for us.Bath, Somerset
I've just received the mortgage offer and wanted to say a brief thank you to both for all your help. You've been incredibly supportive and professional and it's been a pleasure to deal with you. Hopefully the sale will now go through but I can't thank you enough for all your help so far. Have a great weekend and Customer Services if you are reading gold stars please!Richmond, London
Thank you so much for an exceptional service. Your service was amazing and an absolute pleasure. 11 out of 10 for everything.Twickenham, London
The advice Olly gave really opened my eyes to what I could afford and it made me realise all the things I was doing wrong when I last applied for a mortgage. I would recommend Olly to anyone.Woolavington, Somerset
Excellent and professional service from start to finish. Detailed explanations of how the current market was operating, which products were most suitable and clear indications of timescales involved. Would not hesitate to recommend - absolutely first class service.Melksham, Wiltshire
I'm relatively new to mortgages and my adviser explained everything clearly and in lay man's terms. Always punctual when calling, friendly and polite and very professional.Manchester, Lancashire
I can highly recommend Windsor Hill Mortgages, I’ve recently applied for a new mortgage under very testing times, with not straight forward personal circumstances, so the process wasn’t going to be straight forward. I felt assured that I was in safe hands, everything was explained fully start to finish, I was confident all recommendations were given to me for my own individual requirements. Oliver my mortgage consultant was always on the end of the phone, professional, informative and helped no end, as a result I received my mortgage offer and will be moving into my new home soon. I cannot thank Windsor Hill Mortgages enough. If you need any help in this field do not hesitate to contact them.Melksham, Wiltshire
I experienced absolute top service and assistance from Olly at Windsor Hill. He was super helpful, patient, friendly and really efficient. There's not really anything else to say - highly recommend for all your mortgaging needs!Reading, Berkshire
We used Windsor Hill Mortgages when we bought our first home. They were brilliant. As first time buyers we did not know a lot about how mortgages worked or the procedures. They answered our 100's of questions quickly and explained things in a simple manner. They were at the end of the phone when ever we needed them. Which was quite a lot. Very helpful and professional company and I will 100% use them for the next one. Very satisfied customer.Plymouth, Devon
Very helpful, professional and prompt support from Windsor Hill Mortgages. The stress of moving has been hugely reduced thanks to Windsor Hill Mortgages thank you so much!Weston-Super-Mare, Somerset
My adviser was very professional and was always there for me if I needed more information. I would definitely recommend this company to my family and friends.Guildford, Surrey
Oliver Cotterell did a fantastic job of keeping us updated throughout, he was punctual when he said he would call me to discuss things and overall I would 100% recommend his services for anyone looking at finding a mortgage deal.Canterbury, Kent