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Stephen.byfield@justmortgages.co.uk

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 Stephen.byfield@justmortgages.co.uk

 07882516434

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07882516434

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Protection Services

Personalised Solutions, Every Step of The Way

Use protection services to protect your family and your investment. Should the worst happen you want to ensure that you are protected, our protection advice includes income protection and life insurance.

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Protect Yourself, Your Family & Your Investment

SGB Mortgages can provide you with a full protection assessment. Your circumstances will be reviewed, and advice can be offered on protection services relevant to you.

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Life Insurance

Protect your family with life insurance. There are many plans available to a range of ages. A comprehensive life insurance package will mean if the worst happens, your family will receive a payment to help, for example, with future mortgage payments. Life Insurance removes the worry of your family struggling without you there, giving you added peace of mind.

 

The Key Benefits of Life Insurance

  • Paid in a lump sum
  • Protects your loved ones or beneficiaries
  • Better deals if you are younger or in good health
  • Gives you much needed peace of mind


Critical Illness Cover

Critical illness cover is there to offer you financial assistance if you suffer a specified long-term illness. The illness does not have to be terminal. Critical illness plans can payout monthly ensuring your family and loved ones have enough finance to pay a mortgage and bills without you. People also use critical illness cover to make disability related home improvements or pay for private/specialist medical care.

The Key Benefits of Critical Illness Cover

  • Tax free lump sum payment if you are diagnosed with an illness outlined in the policy
  • You can use the funds for any purpose
  • Gives added peace of mind for your family and loved ones
  • The most common illnesses claimed for are cancer, strokes, or a heart attack
  • Critical illness cover can also cover your children if added to the policy
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Income Protection

Protect your income with income protection plans, you can insure yourself for up to 70% of your income should you fall ill or suffer an injury stopping you from working. This protection will be made via monthly payments until you are fit to work or the plan ends.

The Key Benefits of Income Protection

  • Covers most illnesses and injuries that stop you from working
  • Can replace up to 70% of your income covered
  • Reduces financial stress while you recover
  • You can claim multiple times throughout the length of your policy
  • Income protection allows you to not have to rely on savings or statutory sick pay which often wouldn’t be enough to cover your monthly outgoings
  • Added peace of mind for you and your family members
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Tailor A Plan to Your Needs

Not everyone can afford complete cover or the highest rates of protection. SGB Mortgages will sit down with you and analyse which sort of protection is right for your circumstances. We will strive to find you protection coverage that is affordable and doesn’t strain your finance further than it needs to.

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Rebekah Khan profile picture
Rebekah Khan
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Stephen has been nothing short of amazing, from having our offer accepted on a house to having a mortgage in place 4 days later Stephen definitely knows what he is doing and maintained clear communication with us each step of the way, searching for the best possible deal for us and keeping us informed. I am in awe at both his ability and professionalism throughout the process. The whole process so far has been incredibly smooth thanks to Stephen, he is clearly experienced and knowledgeable in this field, anybody considering using him will be in very good hands, I can’t recommend him enough!
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Alicia profile picture
Alicia
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Really great experience with Stephen - took time to understand our requirements. And when something changed mid way through the process was on hand to help us out and find the right outcome. Personable and friendly and easy to contact throughout
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Margaret Burns profile picture
Margaret Burns
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Stephen looked after me and my son to purchase our forever home excellent service thank you 😊
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Amanda Dickson profile picture
Amanda Dickson
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Absolutely brilliant service, Stephen was so quick to respond and chase things up for us. He was also very thorough with the mortgage services.
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Mark Bentley profile picture
Mark Bentley
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Highly recommend Stephen when it comes to getting a mortgage. Very knowledgable and will get you the best deal for your situation. Very quick with responses and answers any questions you might have. Makes the whole process so much easier.
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Keith Alty profile picture
Keith Alty
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Stephen got our mortgage within 24 hours. He is efficient, reliable, communicated with us throughout the entire process. Nothing was too much. Would highly recommend.
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Richard Dunham profile picture
Richard Dunham
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I can’t recommend Stephen at SGB Mortgages highly enough. He made the entire mortgage process simple, straightforward, and completely stress-free from start to finish. Stephen was always available to answer any questions I had, no matter how small, and kept me fully updated at every stage of the process. His knowledge, professionalism, and friendly approach made a potentially overwhelming experience feel easy and manageable. If you’re looking for a mortgage advisor who genuinely goes above and beyond, Stephen is the one to choose. Highly recommended!
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Holly Calladine profile picture
Holly Calladine
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Stephen has been amazing. His response time is outstanding and no task has been too big. He is so helpful and so proactive, I couldn’t recommend him more! From contacting Stephen, to viewing a house, getting an offer accepted and then having a mortgage offer accepted, it only took 10 days!! I honestly cannot believe it. The service so far has been great. Highly recommended.
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Arunas Bikauskas profile picture
Arunas Bikauskas
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Great experience! He works on his own but is very professional. He helped me find a reliable solicitor and assisted with insurance. Highly recommended
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Nathan Webster profile picture
Nathan Webster
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Ste is a great guy, very attentive and sorted our mortgage smoothly and quickly. Great communication, thanks again!

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Protection FAQ

What Types of Protection Coverage is There?

Protection cover is designed to support you and your family when you need it most. The types of cover we help you with are –

  • Life Insurance
  • Critical Illness
  • Income Protection
  • Injury or Sickness
Why Do I Need Protection Coverage?

Protection coverage is designed to offer you added peace of mind that should accident, injury, or death occur your loved ones are financially supported.

For How Long Will My Mortgage Repayments Be Covered?

Your plan will stipulate how long your protection will be paid out for and the total amount. Different protection insurances payout differently.

Life Insurance – Usually in one lump sum

Critical Illness Cover – Usually paid as a lump sum

Income Protection – Paid Monthly

Injury or Sickness – Paid Monthly

Is Protection Insurance Worth It?

Yes, protection insurance is worth it for the added peace of mind it provides you with. You can rest easy knowing that should anything happen your family and loved ones will be supported.

How Much Is Protection Insurance?

Your costs for your protection insurance will be dependent on how much coverage you want, the more and longer you pay the larger the payouts. We will work with you to find you the coverage you need that is affordable to your circumstances.

How Do You Get Lower Cost Protection Insurance?

For illness and life insurance prices can be lower if you are at a younger age and in good health, in addition to this not a smoker.

What’s The Difference Between Life Insurance and Mortgage Insurance?

Mortgage insurance will be used specifically to pay your mortgage when you are unable to. Life insurance however will be paid in a lump sum to your loved ones after your death.

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Protection Services

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Stephen.byfield@justmortgages.co.uk

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07882516434

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Vermont House, Bradley Ln, Standish, Wigan WN6 0XF

Your Home May Repossessed If You Do Not Keep Up With Mortgage Payments

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

The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.

SGB Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.  Just Mortgages Direct Limited Registered office: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD.  Registered in England No: 2412345. 

 

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