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Do you know the differences between all Life Insurance Northern Ireland Insurance policies on the market today?
Differences to be aware of…
- Each Life Insurance Northern Ireland provider covers a different number of Critical Illnesses (if you select a combined policy) ranging from about 15 to 170 The more the better!
- Some will pay out claims upon early disease diagnosis, others require severe illness diagnosis. Early payout is best letting you have treatment to get better!
- Partial claims and full claims may be paid out.
- Some Policies may get more expensive as you get older, others will stay the same throughout the duration.
- The best insurers publish their statistics on claims paid out the others do not.
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Why Choose Us
We are the Number 1 reviewed (five star) Insurance Advice company in Belfast and beyond by Google. Contact us today for trusted advice.
We are familiar with the insurance policies for all of the major providers, we lookout for pitfalls and problems on your behalf to find the correct insurance for you.
We offer independent advice, and can find you the best deals available for your circumstances!
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Life Insurance Northern Ireland
Your Aim: To have Insurance in place which gives you a high chance of making a successful claim, covering the Illnesses that you are likely to get!
Our Service is simple…. We analyse the benefits of all policies on the market for you, and arrange a policy offering you the most Critical Illnesses covered with early disease diagnosis payout!
It is our aim therefore to make sure you have the best coverage and increase your chances of a successful claim.
When you purchase a property you are most likely acquiring your largest and most expensive asset. You will have gathered together precious savings to help pay for it, put thought into arranging a mortgage, spent time picking it and decorated it with love and care. But… What happens if you are struck with a critical illness and no longer able to work? Or if your partner dies suddenly leaving you to survive with the mortgage on your own? Who pays for your mortgage payments? If your mortgage payments aren’t met you risk losing this precious and valuable asset! Do you have adequate Life Insurance & Critical Illness Cover?
At The Mortgage Clinic we want to make sure that you can keep your home no matter what happens. We always recommend full cover to protect your mortgage in the event that you die prematurely or are diagnosed with a critical illness.
Did you know?
- 1 in 2 people in the UK with develop some form of cancer during their lifetime (Cancer Research UK 2016)
- Every year 150,000 people in the UK have a stroke*
- There are around 103,000 heart attacks in the UK each year*
- There are an estimated 100,000 people living with Multiple Sclerosis in the UK*
These 4 illnesses – Cancer, Stroke, Heath Attack and Multiple Sclerosis – are the most common reason for Critical Illness claims.
What would you do if the worst happened to you or your partner? The good news is that survival rates are improving but it is more important than ever to be financially prepared.
At The Mortgage Clinic we will discuss your protection needs fully to make sure that you have cover in place to suit your needs and your budget.
We are independent insurance brokers for Life Insurance Northern Ireland and our hand-picked insurers provide various levels of cover, with additional benefits available, and all have excellent claim payment history. We want to help you and your family financially in the event of a premature death or critical illness hitting the household, allowing you to look after what really matters – you and your loved ones!
* Claims statistics from Friends Life 2015
From Our Clients
“Cannot recommend this insurance adviser highly enough. I came across Helmut’s website after searching online, and I am so pleased that I made contact. I was apprehensive about the options available to me. I explained my financial position to him and he was confident that he could assist me. He found several insurances that I was eligible for, and they were at a considerably different amount than the price comparison sites offered me initially.”
“As a first time buyer I was nervous about the house buying process. Helmut, mortgage advisor belfast at The Mortgage Clinic made the whole thing stress free and was very efficient with every detail. He organised both my mortgage and insurances, providing great mortgage advice and getting the best deals for me. I would like to thank Helmut for being so accommodating when meeting me and so meticulous meaning I didn’t have to worry about anything. I would definitely recommend anyone to use this service”
“We sourced Helmut Elstner as our mortgage adviser. We were first time buyers and very new to the process. Helmut from The Mortgage Clinic was able to provide the guidance we needed and process all information in our home and at times that suited us. He was always in constant communication and was able to find us the best mortgage deals available in a very short space of time. His advice fee was very reasonable compared to any other mortgage adviser we had met. The mortgage he suggested was perfect for what we needed. The process felt much easier with Helmut on side and proceeded at a great pace. We would advise anyone to use Helmut from The Mortgage Clinic for any mortgage or financial needs, a five star service!”
“I would highly recommend The Mortgage Clinic to anyone. Helmut dealt with my first mortgage and then re-mortgage in a very professional and efficient manner. Dealing with an independent mortgage advisor gave a flexibility to pick tailored product that worked for me. Helmut brought to my attention details I would have never considered and saved me a lot of money and hassle.
I felt well looked after and that my needs were the priority. The best mortgage advisor I have ever came across and I have high confidence in his services.
Thank you !”