Our Protection Services

Please find below a brief introduction to the protection services we can provide. Our highly experienced team of protection advisers would be happy to discuss your requirements so please do contact us for an informal discussion to see how we might be able to help you.
For insurance business we offer products from a choice of insurers.

Life Cover

A mortgage is likely to be the biggest financial commitment you have, so it makes sense to protect it, especially if you have dependents such as a family who rely on your income to pay the mortgage.

Life Insurance is a policy that protects your loved ones financially in the event of your death. Death isn't something people like to think about, so life insurance often goes overlooked, but having life cover gives you the added comfort of knowing that your loved ones will be provided for. 

Critical Illness

Insurance that pays out when a defined medical event occurs. For example, following some forms of a heart attack, stroke, cancer or some other specifically defined critical illness.

Cover is for a set term, which may be equal to a mortgage term, for when children have grown up, until retirement or another life stage milestone. It may be worth considering having one policy for a set term to cover the mortgage, and another that will provide money to help provide for your different lifestyle if a serious illness happens.

Most people choose a lump sum to be paid out. There is the option of receiving it as set income over the term remaining, which is often a lower cost option.

IF THE POLICY HAS NO INVESTMENT ELEMENT THEN IT WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

THE POLICY MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. FOR DEFINITIONS PLEASE REFER TO THE KEY FEATURES AND POLICY DOCUMENT.

THE VALUE OF THE INVESTMENT CAN GO DOWN AS WELL AS UP AND YOU MAY NOT GET BACK AS MUCH AS YOU PUT IN.

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Income Protection

This provides income where you are ill or injured, and as a result your income through employment or your normal route stops.

It is designed to replace most of your net income.

Cover lasts for either a set term in whole years, or to a given age (typically your state retirement age). The amount you pay is called the premium. It can either be guaranteed not to change, or it can be reviewable. Reviewable cover normally changes based on the claims experience of the life assurance company.

THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

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Business Insurance

All businesses are exposed to risks in their day-to-day operations. Without insurance cover to provide protection against some of these risks, businesses would find it difficult to operate efficiently and profitably.

All businesses that employ at least one person are legally required to have Employer’s Liability Insurance.

These days, many people are not afraid to seek compensation. No win - no fee advertisements encourage claims, and businesses need to protect themselves against liability claims that could run into millions of pounds. In addition, you could be held personally responsible and even face criminal charges if found negligent.

Adequate insurance is therefore not a luxury - it is an absolute necessity.

Buildings Insurance

Building Insurance is a legal requirement to have in place when obtaining a mortgage, so it is important to ensure you have the correct cover in place.

Building insurance is there if your property has damage to the structure such as walls, roof and floors and will also include fixture and fittings.

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01371 300120

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Gateway Mortgages Ltd, Gateway House, Freeport Office Village, Braintree, Essex, CM77 8YG

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Gateway Mortgages Limited is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited who are authorised and regulated by the Financial Conduct Authority.

Gateway Mortgages Limited Registered Office: Gateway House, Freeport Office Village, Century Drive, Braintree, Essex, CM77 8YG . Registered in England Number: 06884467.

The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at customers based in the UK.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.