Protect What Matters Most with Art of Mortgage
At Art of Mortgage, we care about more than just your mortgage. We’re here to help protect you and your family from life’s unexpected turns. Talking about personal protection isn’t always easy, but it’s important — and we’re here to guide you every step of the way.
We look at your personal situation and help you choose the right protection policies from across the entire insurance market. Our goal is simple: to make sure you’re covered for life’s challenges and to support you if you ever need to make a claim.
What is Personal Protection?
Buying a new home is exciting — but it also comes with responsibility. Personal protection insurance helps make sure you and your loved ones can stay in your home, even if something unexpected happens.
Ask yourself:
- Could you afford to keep your home if your partner passed away?
- What would happen if you became seriously ill and couldn’t work?
- How would your family cope financially if your income suddenly stopped?
- Would you need to dip into savings, give up things you enjoy, or change your lifestyle?
Having the right protection in place means that, if the worst happens, you or your family could receive a lump sum or monthly payments to cover the loss of income.
When Should You Get Protection Insurance?
There’s no wrong time to think about protection. But the sooner you consider it, the more affordable your premiums are likely to be.
We recommend looking into it as soon as you take on big responsibilities — like buying a home or starting a family. At Art of Mortgage, we’ll talk you through the options and help you choose what’s best for you — whether it’s life cover, critical illness protection, income protection, or unemployment cover.
Types of Protection Insurance
We can help you with a full range of protection options so that you’re covered from every angle.
💼 Life Cover
Pays out a tax-free lump sum or regular income if you or your partner passes away. Ideal for making sure your loved ones are financially secure.
We often recommend joint life cover for couples, but individual life insurance is also an option.
❤️ Critical Illness Cover
If you’re diagnosed with a serious illness or suffer a life-changing injury, this cover pays out to help you manage financially.
It usually covers conditions like cancer, heart attacks, and strokes, as well as terminal illnesses and some injuries. You can also add cover for children if you have a family.
📉 Income Protection
Replaces a portion of your salary if you’re unable to work due to illness or injury. After a set waiting period (called the deferred period), the policy pays out a monthly income — which is especially helpful if your employer doesn’t offer long-term sick pay.
It typically covers up to 60% of your income, and it’s a great option for both employees and the self-employed.
🚑 Accident & Sickness Insurance
Provides a lump sum or monthly payments if you’re unable to work due to accident or illness.
👨👩👧 Family Income Benefit
Instead of a lump sum, this policy provides a monthly income to your family if you pass away or are diagnosed with a critical illness. This can make budgeting easier during an emotional time.
Why Choose Art of Mortgage?
With years of experience in personal protection, we understand how important it is to have the right cover in place.
We don’t just look at your mortgage — we look at what matters most to you. That might be covering your income, protecting your partner, or making sure your children are looked after.
We’ll work with your budget and help you find cover that gives you peace of mind. And if the time comes to make a claim, we’ll be right there to support you.
As with all insurance policies, terms and exclusions apply. We’ll make sure you understand everything clearly before making any decisions.