Advice needed please.
I'm (unfortunately) having to remortgage having paid off my last one completely simply because the wife decided to go. I'm taking a repayment mortgage but would like some protection against early death and/or serious illness (depending on costs) so that my house isn't re-possessed should I snuff it too soon and the kids get the whole thing debt free.
I'm 46 (just), non-smoker, pretty damn fit and healthy actually but who knows. 20 year mortgage, hoping to pay it off early.
Any BBS experts in this stuff can offer advice? From early research it seems that the serious illness cover part is actually pretty expensive compared to the early death part. I'd also like the figure to reduce as I make early repayments too, preferably.
I have a £50k death in service payout from my company too, dunno if it's worth factoring that in.
Cheers
I'm (unfortunately) having to remortgage having paid off my last one completely simply because the wife decided to go. I'm taking a repayment mortgage but would like some protection against early death and/or serious illness (depending on costs) so that my house isn't re-possessed should I snuff it too soon and the kids get the whole thing debt free.
I'm 46 (just), non-smoker, pretty damn fit and healthy actually but who knows. 20 year mortgage, hoping to pay it off early.
Any BBS experts in this stuff can offer advice? From early research it seems that the serious illness cover part is actually pretty expensive compared to the early death part. I'd also like the figure to reduce as I make early repayments too, preferably.
I have a £50k death in service payout from my company too, dunno if it's worth factoring that in.
Cheers
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