“If life were predictable it would cease to be life, and be without flavor”– Eleanor Roosevelt

“You only live once, but if you do it right, once is enough.” – Mae West

“Life is never fair, and perhaps it is a good thing for most of us that it is not.” – Oscar Wilde

“Only a life lived for others is a life worthwhile.” – Albert Einstein

“Dream as if you’ll live forever. Live as if you’ll die today” – James Dean

There’s no better way to enjoy life and live it to the fullest than to not have to worry about what happens next for your family. That’s why at Rosa Mortgages, we want to protect all our clients to the best of our ability, so you can enjoy the home you’re in, the family you have and the life you’re living.

Life Insurance

Also known as life cover, this is a security blanket designed to support those you love, should the worst happen. You can tailor the cover to suit your needs for both your mortgage and your family. Whilst we sincerely hope you never need to use this, we’re here to answer any questions and advise on how you can protect your future and your family.

We’re Life Insurance Experts

When choosing to go ahead with life insurance it’s so important to pick the RIGHT plan and this is where we’ll advise. Our friendly and empathetic team can be available seven days a week. We will guide you through how everything works and listen to your needs to truly understand how to protect you and your loved ones.

How Does Life Insurance Work?

Think of life insurance as a form of protection for those closest to you should you no longer be around. In such unfortunate events it’s safe to assume times will be difficult enough. Investing in the right level of cover means your family will not suffer financially. In essence, you’re easing the burden for those left behind. Life insurance works by supporting families when they most need the help by paying out in a lump sum upon your death. If you’d prefer a monthly amount, family income benefit may work better.

There are different choices with regards to the amount of money life insurance will pay out. For example a cheaper policy will be on a “Decreasing Term Assurance” basis – which means that the cover will reduce over the chosen term, this is usually what we would recommend in line with a mortgage for example to keep the cost down, whilst protecting you properly. However there are so many different situations that we will always tailor any product to your needs to ensure you have the right cover.

At Rosa Mortgages it’s important for us to make you aware of life insurance and similar available products. We sincerely hope you never have to use your policy but knowing it’s there provides comfort. In general, protection advisers cannot charge a broker fee for protection advice. So we do not charge a fee for this. All you pay is the cost of the policy; there are absolutely no hidden charges associated.

Life Insurance Terms

It’s likely you’ll have numerous questions regarding your life insurance policy and we’re only too happy to advise. We’re often asked if policies are sold with specific terms (how long they last for). Whole-of-life policies for example are available and will pay out upon your death. Keep in mind however that these can be costly, especially when you’re paying into old age. An alternative to whole-of-life offers cover specifically for a set period. In general customers choose this policy to coincide with the length of their mortgage or up until children are no longer at home.

We’re also quizzed on refunds should nothing happen throughout policy duration. The fantastic news is you’ve never had to use it. The good news is you’ve protected your family in an unlikely event. Life insurance is there for protection and should be seen as an investment you’d prefer never to use.

At Rosa Mortgages we will determine the life insurance policy based on your circumstances and requirements. With cover available that keeps up with the cost of living, you really are worry free. (You can link your policy to the rate of inflation to keep up with rising costs)

It’s really easy to get yourself protected today. Speak to one of our experienced, friendly advisers who will give you no obligation advice. We have you and your families’ best interests at heart and are here to ensure you have the possible protection. Protection is invaluable.