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It's Free to Speak to an Advisor, 7 days, 8am - 10pm
Income protection insurance guarantees a consistent income if you’re unable to work due to illness or disability, providing financial support until your return to work or retirement. This coverage encompasses a range of conditions, taking into account your potential to resume employment.
If retirement occurs before a return to work, the coverage ceases. Payouts are limited according to your salary. Our assistance includes guiding you in selecting the appropriate policy, tailoring specifications, and evaluating whether income protection aligns with your requirements.
Harrogatemoneyman offers a complimentary insurance review to all our clients, delivering expert mortgage advisors in Harrogate. We evaluate your individual and financial circumstances to ascertain the appropriateness of Income Protection, considering factors such as lifestyle, age, and medical history, which impact monthly premiums.
Income Protection insurance can incur significant costs, particularly with a short deferred period. It is recommended to assess both overall expenses and coverage, especially if you have other policies in place. Prior to securing your policy, gaining a clear understanding of payout details and conditions is crucial, and our Protection Advisor in Harrogate is available to guide you through this process.
Harrogatemoneyman offers a free insurance review for every client, providing expert mortgage advice in Harrogate. We look at your individual and financial circumstances to assess the suitability of Income Protection, considering variables such as lifestyle, age, and medical history that affect monthly premiums.
Income Protection insurance can come with substantial costs, particularly with a short deferred period. It is prudent to assess both the overall expenses and coverage, especially if you have other policies in place. Prior to acquiring your policy, having a comprehensive understanding of payout details and conditions is essential, and our protection and mortgage advisor in Harrogate is ready to support you through this process.
Income protection insurance in Harrogate is a financial product designed to provide individuals with a regular income if they are unable to work due to illness or disability. This insurance coverage aims to safeguard against the potential loss of income during such challenging circumstances and is offered by financial service providers like Harrogatemoneyman.
Income protection insurance in Harrogate operates by providing policyholders with a replacement income if they are unable to work due to qualifying reasons, such as illness or disability. The insurance typically pays out a percentage of the policyholder’s regular income and helps cover living expenses during the period of incapacity. The specifics of how it works may vary based on the policy terms, including factors such as deferred periods, payout limits, and coverage duration.
Whether you need income protection insurance in Harrogate depends on your individual circumstances and financial goals. If you have dependents, loans, or ongoing financial commitments, income protection can be a valuable safety net to ensure financial stability in the event of an unexpected inability to work.
It is advisable to assess your personal and financial situation, considering factors like lifestyle, age, and medical history, to determine if income protection insurance aligns with your needs and provides the necessary financial security. Consulting with a mortgage advisor in Harrogate, can help you make an informed decision based on your unique circumstances.
Our Customers Love Us
4.94 Rating32 Reviews
David
Excellent service and very happy. Highly recommend and thank you Leo & Meghan! Best, David
3 months ago
Lydia
They have been excellent! Couldn’t have asked for better help and communication. They were very understanding and have been very patient with us over the last few months.
6 months ago
Sally
I'm really pleased with the service at Harrogatemoneyman and would definitely recommend them. Leo and Jo have been really helpful and supportive throughout the process.
6 months ago
David
Chris was brilliant at guiding us through the whole process. As FTB, you think you understand the process but there is so, so much more too it and having someone who you can ask questions almost anytime of the day, was something we could not have...
1 year ago
Rebecca
As first time buyers this whole process initially seemed very daunting. We spoke with Matt over the phone and he talked us through the process, was really positive and has got us through the process. It has been stressful but Matt kept us updated...
1 year ago
Maria
Me and my husband were looking to get a mortgage, we are first time buyers, so were wanted a stress free process and getting the best deal for us. Harrogatemoneyman was amazing! Very professional, answered all our questions and kept us regularly...
1 year ago
John
Fantastic service from start to finish. Every stage of getting a mortgage for a first time buyer was carefully explained with complete transparency of costs and what to expect. 100% recommend.
1 year ago
Salvatore
Joe and Meghan have been very helpful and professional. They have explained everything clearly and responded extremely quickly to our correspondence. We would certainly use your service again and recommend both Joe and Meghan to others.
1 year ago
Deanna
Amazing service & support! We are first time buyers and felt the process from start to getting our mortgage accepted was amazing & very smooth!! We were kept up to date regularly and felt comfortable to ask any questions. Special thank you to...
2 years ago
Charlie
Really impressed with the service from these guys, from start to finish the process has been so easy. Our situation was slightly different from normal but they still managed to get the mortgage sorted for us. They always kept us up to date with...
2 years ago
Deanna
Leanne was so friendly and approachable. Extremely helpful.
2 years ago
Laura
Fantastic service from start to finish. Matt was always on hand to answer my questions and explained everything clearly, along every step of the way. Thank you!
2 years ago
Heather
Polite helpful reassuring conversation. Very helpful.
2 years ago
Richard
Excellent from start to finish. Booked appointments that suited us even late evening! Found us a great deal on our mortgage and wage protections. Thanks Malcolm for all your help!
2 years ago
Gregory
First time buyer and the team at Harrogatemoneyman provided a 1st class service from start to finish. Excellent advice really quick service excellent product really cant fault them at all. I highly highly reccomend them just exceptional in everyway....
2 years ago
Alice
Very quick response from Hannah. Very helpful. Highly recommend
2 years ago
Dane
Great service, professional as well as friendly
2 years ago
Paula
Can I say what a great job they have done for us, answered every question when needed and kept me calm through the last few weeks! Great job done! Cannot thank them enough, Thank you Wayne, Jenna and Megan!!
3 years ago
Karl
Would just like to say what a fabulous job Wayne and his team have done for us over the past few weeks! Excellent service and great to be able to speak to someone whenever needed!!
3 years ago
elizabeth
Fab service from start to end. Got me a mortgage offer and it couldn’t have been any easier. Thanks so much!
3 years ago
By speaking with one of our dedicated protection and mortgage advisor in Harrogate to explore insurance options tailored to your specific needs. Alternatively, you may choose to heed our recommendations.
We will align with your monthly budget constraints and craft a tailor-made plan that addresses your current personal and financial circumstances.
Once we identify the suitable product for you and receive your approval to proceed, we will submit your application to the provider. Occasionally, the policy provider may request additional information before considering the application.
If you've secured your mortgage through us, we will reconnect with you during the remortgage process. This presents an opportunity to review any existing policies you may have in place.
For both new and existing customers, we extend a complimentary protection review, during which we look at your existing policies to assess their appropriateness. Subsequently, we'll recommend products such as critical illness income protection and/or life insurance that align with your needs. If required, we can tailor the plan to fit within your monthly budget.
Your dedicated mortgage and protection advisor in Harrogate is committed to delivering transparent mortgage advice throughout the process. Acting on your behalf, they will diligently explore the most suitable arrangements based on your individual and financial circumstances.
Drawing from over two decades of experience in the mortgage and protection industry, we, as a trusted mortgage broker in Harrogate, have aided numerous clients in obtaining Income Protection products in the past, and we stand ready to assist you next!
Our team of protection and mortgage advisors in Harrogate is unwavering in their commitment to ensuring your financial security by securing the right policy precisely when you need it most.
Accident, Sickness, and Unemployment insurance (ASU) is a comprehensive protection policy designed to safeguard your financial well-being in the face of unexpected setbacks. This insurance covers you in the event of accidents, illnesses, or involuntary unemployment, providing a financial safety net to help cover mortgage payments and other essential expenses during challenging times. ASU insurance offers peace of mind, ensuring that you can maintain your financial commitments even when faced with unforeseen circumstances.
Payment Protection Insurance (PPI) is a type of coverage crafted to protect borrowers against unforeseen events that may hinder their ability to meet loan or credit repayments. PPI commonly covers events such as sickness, accidents, and unemployment. While historically associated with controversy, PPI, when properly understood and implemented, can offer valuable financial protection. It provides a layer of security, reimbursing eligible payments during times of financial strain, ensuring borrowers can navigate challenging periods without ruining their credit standing.
Mortgage Payment Protection Insurance (MPPI) is a form of insurance designed to shield homeowners from financial difficulties in meeting mortgage obligations. This coverage typically protects against events like sickness, accidents, and involuntary unemployment, providing financial assistance to cover mortgage payments for a specified period. MPPI serves as a crucial safety net, enabling homeowners to preserve their homes and financial stability during unforeseen circumstances. It offers reassurance that mortgage commitments can be met, even in times of unexpected hardship.
Read our 32 Reviews
Harrogatemoneyman.com & Harrogatemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Harrogatemoneyman.com & Harrogatemoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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