Whether you need basic life cover for a mortgage or to provide for your family in the event of death, we can help by discussing the options available and then recommending the most suitable and cost effective options to meet your protection needs and requirements.

There are various types of cover you can consider, such as:
  • Level Term Assurance - life cover where the amount of the cover remains the same through the term of the policy
  • Decreasing Term Assurance - life cover where the amount of the cover reduces throughout the term of the policy
  • Family Income Benefit - life cover where the policy pays a monthly income rather than a lump sum
  • Critical Illness Cover - this policy pays out a lump sum on successful claim following diagnosis of a specified critical illness within the policy term.  The conditions covered vary between insurers
  • Income Protection - a policy that pays a monthly income in the event of being unable to work due to accident and sickness, which would help towards maintaining your essential monthly outgoings
For further information, or for a free no obligation consultation, please contact us.

Think carefully before securing other debts against your home.  Your home may be repossessed if you do not keep up repayments on your mortgage.
CWS Mortgage Services is an Appointed Representative of Julian Harris Mortgages Limited, Musgrove, Ashford, Kent, TN23 7UN, which is authorised and regulated by the Financial Conduct Authority no. 304155.  Buy to Let (pure) and Commercial mortgages are not regulated by the FCA.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients.  

Full details of the FOS can be found on its website at http://www.financial-ombudsman.org.uk