The type of insurance policy you might need depends on your situation.

A life insurance policy will pay your dependents a lump sum or regular payments if you die unexpectedly. If you have a partner or children, life insurance can provide you with the reassurance that they will be able to cope financially without you.

Income protection insurance is designed to support you financially if you can’t work due to illness or injury and your income drops. This type of policy is particularly relevant for anyone who is self-employed and wouldn’t get sick pay.

You might consider getting short-term income protection insurance. This type of policy will pay out a monthly sum, for a set period of time, if you lose your source of income due to illness, injury or redundancy.

You might consider critical illness cover, which will cover you in case you get a specific type of life changing condition. Payment protection insurance

Payment protection insurance will support you if illness or redundancy means you can’t meet regular payments of your debts.

As Independent Financial Advisers we can help you find the one that best meets your requirements.

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Frequently Asked Questions

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Contact Us Today! We're happy to help you with all your real estate needs.

We offer life insurance, critical illness cover, and income protection to ensure financial security for you and your family.

It protects your home and loved ones if illness, injury, or death affects your ability to make repayments.

That depends on your mortgage balance, dependents, and lifestyle. We’ll tailor a plan that suits your goals and budget.

Life insurance pays out a lump sum upon death, while income protection replaces your income if you can’t work due to illness or injury.

Yes. Many insurers consider pre-existing conditions — we’ll find the best options available for your health profile

Yes. You can adjust or review your policy whenever your circumstances change, like a new home or family addition.

We recommend reviewing it every 12 months or after any major life event.

Our clients choose to trust us over the competition because of the way we conduct our business.

A team of qualified financial mortgage advisers backed up by a dedicated team of support staff.

We’re independent, we work for our clients’ interests, not those of a bank or insurance company.

We continue to monitor the market place and will keep you updated on opportunities

We provide access to your own Client Portal for secure messages and document uploads

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

Elite Independent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority who oversees all financial business in the UK. You can find us on their website www.fca.org.uk. Our registration number is 301502. Our registered address is 3 Hannah Street, Porth, Rhondda Cyon Taf, CF39 9PU.