Would you like life cover with that?
At Moat, we’re all about serving up the tastiest mortgage on the menu.
But we also want to ensure that no matter what happens, you and your family can always afford to stay living in your dream home.
That’s why we’ll always ask you: Would you like life insurance with that?
The right cover at the best price.
“Life insurance” is an umbrella term. Under that label you’ll find policies that pay out if you pass away, can’t work due to illness, or face a serious diagnosis.
At Moat, we’ll help you identify the right type of cover, use our expert knowledge of providers to pinpoint the best policies, and ensure all the paperwork is completed with care.
And just like your mortgage, we’ll sort it all for free.
The types of cover explained.
Life insurance isn’t just a matter of life and death. You also need to consider how you pay the bills if you become too ill to work.
We’ll help you choose the right policy and right amount of cover, so if death or illness strike, you’ll know you and your loved ones will receive the money you need to maintain your lifestyle.
Life Insurance
Life insurance is more than just a policy—it’s peace of mind.
It pays out a lump sum if you die within the term of the policy, providing financial security for the loved ones you leave behind.
Your family can use the lump sum to pay off the mortgage and ease other financial burdens. It’s a simple and affordable way to protect the people who matter most.
Family Income Benefit
Family Income Benefit provides your loved ones with a steady, tax-free monthly income if you pass away during the policy term.
Instead of a lump sum, it pays out monthly, ensuring your family has the money they need to cover everyday expenses.
It’s a super smart way to ensure your family continues to receive a regular income after your death.
Critical Illness Cover
Critical illness cover provides a financial safety net if you’re diagnosed with a serious health condition.
It pays out a lump sum to help with medical costs and the household bills, whilst you take time off work for treatment and hopefully recover.
The payment makes life easier at a stressful time, removing the worry of money so you can focus on your health and family.
Income Protection
Your lifestyle and family depend on your income. But what if an illness or injury meant you couldn’t work?
That’s where income protection comes in. It provides a regular monthly income to help cover your essential expenses until you are well enough to return to work.
It covers a wide range of illnesses and injuries, making it a favourite of the self-employed, who don’t have the safety net of employer sick pay.
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