Mortgage Protection Insurance
Life & Health Insurance
Mortgage protection insurance provides peace of mind that you will still be able to make your mortgage payment if you were to become sick or injured.
Covering the cost of your mortgage.
If you have a mortgage then your repayments will likely form a significant portion of your monthly living expenses. Having monthly mortgage protection insurance means that if you are unable to work due to a sickness or injury then you have the comfort of knowing that you will not get behind in payments and can focus on getting well.
The amount you receive is determined by the amount you pay off your mortgage a month. An agreed sum insured is determined when the cover is put in place and this is the amount paid if you were to claim. Payments will continue until you are medically fit to return to work or your payment term expires. If you return to work on light duties or reduced hours you may be entitled to a partial payment.
Details about the policy.
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Payment
Unable to work due to sickness or injury the amount of money determined is paid straight to you.
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ACC
The amount you receive is NOT offset by anything you are paid by ACC.
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Mortgage Increases
If your mortgage increases you are able to increase your monthly amount to match what you are paying; talk to an adviser to discuss this event.
Talk to an Adviser.
Contact an adviser to learn more about how mortgage protection insurance could help you. We can discuss the importance of protecting your home or investment property and ensuring it stays yours if you were to become sick or injured.
Resources
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