Insurances
Protecting you, your family and your business for every eventuality.
Arranging the right mortgage is only part of the picture.
For most clients, a mortgage sits at the centre of a bigger financial structure: your home, your income, your family, and often your business.
Protection planning ensures that if life changes unexpectedly, you and your family remain protected.
At SJR, we help you look at protection in a clear and practical way: identifying the risks worth covering and putting the right safeguards in place.
Our role is to help you understand the options available and ensure the right cover is in place alongside your mortgage.
When should you consider protection?
- Taking on a large mortgage commitment
- Becoming self-employed or a business owner
- Starting or growing a family
- Buying a property that you want to protect
- Wanting to protect you and your family in the event of illness or unforeseen circumstances
Protecting your mortgage strategy
Life Insurance
Your mortgage is designed to support your long-term plans whether that’s building equity, creating stability for your family, or investing in your future.
Life insurance can ensure that if something were to happen to you, the remaining mortgage balance could be repaid. This means your property can remain with your family without the additional financial burden of mortgage repayments.
For many clients, this is a simple but important step that protects the long-term purpose of your mortgage.
Protecting your income
Income Protection
Your income is what makes your financial plans possible.
If illness or injury prevented you from working, income protection can provide a regular monthly payment until you are able to return to work.
This helps ensure essential commitments – including your mortgage repayments – continue to be covered if your income becomes disrupted.
For professionals, contractors, and business owners without long-term sick pay arrangements, this type of cover can provide valuable stability.
Protecting your home
Buildings Insurance & Contents Insurance
Your property itself also needs protection.
Buildings insurance protects the physical structure of your home against events such as fire, flooding or structural damage. Most lenders require this cover to be in place before completion.
Contents insurance protects the belongings inside your home, including furniture, electronics and personal possessions.
Together, these policies ensure both the property and the life within it are protected.
Protecting your lifestyle
Critical Illness Cover
Serious illness can have a significant financial impact, even for high earners.
Critical illness cover provides a lump sum if you are diagnosed with a serious medical condition specified in the policy.
This can provide financial security at a difficult time, allowing you to focus on recovery while maintaining financial stability.
Clients often use this type of cover to reduce their mortgage balance, cover household costs, or create flexibility if they need time away from work.
Protecting your business
Business Protection
For business owners, financial responsibilities often extend beyond the household.
Business protection policies can help ensure the stability of your company if something unexpected happens to a key individual.
This may include protection designed to:
Cover medical expenses with private healthcare insurance
Support the business if a key person becomes unable to work
Allow remaining shareholders to retain control of the company
Protect business loans or financial commitments
Cover medical expenses with private healthcare insurance
Disclaimer:
As with all insurance policies, conditions and exclusions will apply.
