How would you pay your
bills if you lost your
income tomorrow?

Highly experienced, trusted and professional advisers for mortgages, family protection insurance and home and contents insurance.

Income Protection / Loss of Earnings Insurance

We can often insure everything else in our lives, except the most important thing of all: our income.

How would you pay your bills if you lost your income tomorrow? Its not to hard to see that without an income, our entire world can start to fall apart, and an illness or accident could happen at any time.

Income Protection policies are generally very straightforward and simple to set up, as it’s bespoke to your circumstances. It can provide an income on a monthly basis, tax free to replace up to 65% of the lost earnings. This can be set up to pay until retirement, or until you can return to earning a salary again. Unlike car or home insurance, your premiums won’t increase due to a claim, and the insurer can’t cancel your policy, which is why this cover used to be called Permanent Health Insurance.

This can be tied in with your existing benefits, if you receive any from your employer, to ensure a seamless transition with no break in income.

It’s our professional responsibility to ensure that your home and family are protected and that you are aware of the risks involved with taking on a mortgage. We can discuss and help assess your circumstances with you to discover if Income Protection Cover is relevant for you and what level of cover would be most appropriate.

Please contact us to discuss your Income Protection requirements

This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.

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Why FirstXtra?

Long established family run business

Providing personal, professional and honest advice, putting the customers best interests at the heart of everything we do.

Award winning for Quality and Service

This is shown by the number of 5 star reviews we receive on the independent site Feefo.

We are personable and friendly

We provide a fully individual and bespoke service to each customer and we genuinely care about your experience.

Taking the hassle out of the process

Making it as simple and stress free
as possible for you.

We don’t just do Mortgages!

We also provide you with bespoke family  and home protection products.

On hand to contact

We will be there through the life of your mortgage and protection policies with immediate response times.

Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage

Most Buy to Let mortgages are not regulated by the Financial Conduct Authority

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