Zac Ockenden - Secure Mortgages & Protection

New development launch in Manchester, UK.

The elegant forty storey tower, designed by internationally renowned Simpson Haugh Architects, will feature exceptionally high quality one- & two-bedroom apartments, complemented by superior luxury residential facilities.

The building itself will also be home to a carefully curated selection of coffee shops, bars and restaurants, each offering something unique to residents.

Manchester is a world-class city that is growing more rapidly than any of its peers. Named as the UK’s most liveable city year after year by the Economist, and with a booming population to suit, it is easy to see why Manchester is at the very top of the list for investors from all over the world.

Manchester’s skyline has changed beyond recognition in recent years as the city enters its new era as an international city ready to change the world again.

There has never been a better time to invest in city centre property and make the most of this boom. Significant investment is being made across Greater Manchester into all sectors of the economy.
Significant infrastructure spending will make Manchester one of Europe’s best-integrated cities with seamless transport solutions for its citizens.

We have unique relationships with the world’s leading providers as a result of this, many of our products are exclusive to us and cannot be found anywhere else on the market.

Life insurance is a type of insurance that provides financial protection against the loss of life. It is designed to provide financial security to the beneficiary or beneficiaries of the policyholder in the event of their death.

Life insurance can be used to pay off debts, pay for college tuition, or provide an income for surviving family members. There are a variety of different life insurance policies available, including whole life insurance and term life insurance.

Each type of life insurance has different benefits and features, so it is important to research and compare policies to find the one that best meets your needs.

Not shopping around for life insurance is a mistake because the prices of policies can vary a lot from one carrier to another -- especially in situations where the policyholder smokes or has a medical issue, since different insurers price these types of risks differently.

Get in contact today for more information and a complimentary discussion. e: [email protected]

40% of homeowners with children don’t have life insurance. Are you one of them?

Research from MoneySuperMarket found that around two-fifths of people in the UK haven’t taken out a life policy.

There could be many reasons for this, including:
➡️Not wanting to think about passing away
➡️Knowing you should sort it out but never being able to find the time
➡️Being young and not seeing it as a financial priority

If you’d like to arrange a life insurance policy and it’s at the back of your mind, we can help you bring it forward to get it all sorted out, so you don’t have to think about it again.

Giving you tailored advice for your situation is our priority.
We know the is making things tough for many people right now, but a lack of life insurance could make these even worse for your family if the worst were to happen.

➡️Uncertainty over whether they can stay in their home
➡️Ongoing worries month-to-month
➡️Wishing you’d taken the time to put a policy in place

A life insurance policy can pay off your mortgage and/or provide financial security for the .

If you’ve got children and want to make things easier for them in the worst of circumstances, join the 60% of UK homeowners who have a life insurance policy.

Learn more about how Secure Mortgages and Protection make it easy to find financial peace of mind by clicking the link below.

Get in contact today for more information and a complimentary discussion. e: [email protected]

So you’re buying critical illness cover, but do you know what you're actually signing up for?

It isn’t necessarily an off-the-shelf insurance option. It can be straightforward, but policies may differ more than you realise, so it’s important to ask the right questions when you’re doing your research.

Have you given all - and we mean all - details about your medical history?

If you don’t give your insurer all the details, you might not be eligible to make a claim. Your insurer will check your medical history, so you need to get it right from the beginning.
Do you know what you’re covered for?

Don’t assume that a policy is going to cover every eventuality. Read the small print, as different insurers will have different exclusions, and ask for help if it’s not clear.

Do you want to add a ‘waiver of premium’?

This will cost a bit more, but means that your monthly premiums will be covered if you can’t work due to illness or injury.
Have you made sure you’ve got the best deal?

Your circumstances might change, or insurers might bring out new policies. It’s worth checking every so often that the policy you have is still the best option for your circumstances.

And remember, you have 30 days to cancel a policy if you change your mind or find a better deal.

Get in contact today for more information and a complimentary discussion.
e: [email protected]

It happens to all of us: sometimes, we get ill. But what if you’re so ill you can’t work? Who pays the mortgage?

This isn’t something that we all think about in advance. But if you’re self-employed, it can be a real problem.

If you’re too ill to work or you’re injured, having enough money to pay the mortgage, pay debts or support loved ones can be a real challenge. This is where income protection insurance can step in.
If you have an income protection insurance policy, this will pay out a monthly sum of money to cover the costs of living your life.

Each policy covers different things - ‘incapacity’ can mean different things to different insurers, so make sure you’re clear on what you want to be covered for.

Income protection insurance won’t pay out forever, but hopefully, you won’t be ill or injured forever. The idea is the policy will support you until you're able to live your normal life again.
It will pay out until you’re well enough to return to work or the policy comes to an end which is often in one or two years.

If you’re not sure whether this is the cover you need, get in touch. Our advisors can go through your circumstances to see if this is the right policy for you.

Get in contact today for more information and a complimentary discussion.
e: [email protected]

Find out how to create passive income with mortgage leveraging and increase your real estate net worth. With house prices continuously rising in the capital, it's an opportunity that shouldn't be missed.

As an asset class, can provide positive real long-term returns allied to low volatility and a reliable stream of income.

We have unique relationships with the world’s leading providers as a result of this, many of our products are exclusive to us and cannot be found anywhere else on the market. With opportunities for no capital gains tax after holding the property for 10 years.

Whether you are a seasoned investor or just starting out, get in contact today for a complimentary discussion.

Happy New Year!

What does failing to plan look like?
If you have a family and a mortgage, but no life insurance in place, you could leave a lot of financial problems behind.
Would your partner or spouse be able to afford to stay in your family home if they had to pay the mortgage on their income alone?
Would there be enough money for them to live off while your estate is dealt with?

Would you want them to be worried and stressed at the worst possible time?
We can’t predict when illness and death might happen to us. That’s why putting a life insurance policy in place makes sense, regardless of your age.
If you’ve just taken out a mortgage, for example, you’re likely to have a larger sum to pay off than someone later in life, meaning the potential financial burden is greater if anything happens to you.

Taking care of your money matters
Research from MoneySuperMarket found that two-fifths (40%) of homeowners with children haven’t taken out life insurance.
Regardless of your age, you may want to consider life insurance. A lump sum payment on death can pay off your mortgage, easing the financial burden on those left behind.

It may be an additional monthly cost, but ask yourself: on your passing, do you want your family to have money worries?
e: [email protected]

Life insurance premiums are also typically cheaper the younger you start.

A way to keep up with mounting expenses
As careful as you might be in your job, accidents can happen:

Delivery drivers get injured in road collisions
Tradespeople can hurt themselves on building sites
Personal trainers might rupture ligaments and be on crutches

And when you’re running a business, it’s not just personal outgoings and family life you need to think about.

You might still need to pay for car or van insurance, professional subscriptions, liability cover etc. All of this can quickly add up. So how would you manage if your ability to earn stopped overnight? (It’s worth noting there’s typically a period of deferment before your policy will start paying out.)

What price peace of mind?
You’ll want to be able to support your family while you recover from your illness or injury and make sure your business isn’t racking up debt.

Having the security of a fixed monthly sum from your self-employed income protection policy to deal with the unexpected will give you comfort.

Three good reasons to act today
The benefits of having business protection insurance for your organisation include:

Being prepared for all eventualities for the good of the company
The cover is a tax-deductible expense
It makes things so much easier for those left behind - your family and colleagues.
As well as putting a new policy in place, renewal is crucial as your business expands. Taking the time to get the right level of cover in place will save you headaches further down the line.

Because your personal and business life forms part of your overall financial health, we offer complimentary estate planning advice, so every aspect of your money is covered.

Prepare for every eventuality and ensure that if the unexpected happens, everything will slot into place to ease the burden on others.

Is your current policy fit for purpose?
If you’ve already got a self-employed income protection policy in place, when did you last look at the paperwork?

It’s essential to make sure your details are up-to-date. For example, if you’ve changed jobs and are doing something with higher risks on a daily basis, this will affect your policy terms.

Don’t wait until you need to make a claim to discover that your details are incorrect.

Income protection is only one strand of your finances you should consider when you’re self-employed. Life insurance and business protection are also important.

When you take out a self-employed income protection policy with us, you’ll get access to our complimentary estate planning service to get all your ducks in a row. This will leave you free to focus on growing your business and supporting your loved ones

Self-employed income protection you can rely on when it matters
Research from Mintel in 2022 found that 27% of people don’t understand the difference between critical illness cover and income protection.

In short, the difference is that critical illness covers serious conditions where you need extended treatment or surgery, for example, and can’t work.

Just 6% of people in the UK have income protection insurance. But, if you have a job that only provides sick pay for a restricted period, you may not be able to get by on Statutory Sick Pay alone.

And it’s an even more important consideration if you’re self-employed.

Our self-employed income protection policies cover you for a broader range of illnesses, not just the most serious. They also provide you with a fixed monthly income if you can’t work due to injury.

This includes professions such as

Tradespeople
Multi-drop courier drivers
Personal trainers
& much more...

What does failing to plan look like?
If you have a family and a mortgage, but no life insurance in place, you could leave a lot of financial problems behind.

Would your partner or spouse be able to afford to stay in your family home if they had to pay the mortgage on their income alone?

Would there be enough money for them to live off while your estate is dealt with?

Would you want them to be worried and stressed at the worst possible time?

We can’t predict when illness and death might happen to us. That’s why putting a life insurance policy in place makes sense, regardless of your age.

If you’ve just taken out a mortgage, for example, you’re likely to have a larger sum to pay off than someone later in life, meaning the potential financial burden is greater if anything happens to you. Life insurance premiums are also typically cheaper the younger you start.

Get Protection
Do I need life insurance? Taking care of your money matters
Research from MoneySuperMarket found that two-fifths (40%) of homeowners with children haven’t taken out life insurance.

Regardless of your age, you may want to consider life insurance. A lump sum payment on death can pay off your mortgage, easing the financial burden on those left behind.

If you’re already paying multiple monthly premiums for things like your car, travel, or building and contents insurance, then you might be thinking, do I need life insurance as well?

It may be an additional monthly cost, but ask yourself: on your passing, do you want your family to have money worries?
e: [email protected]

A refreshing approach to your financial future
Helping you to make informed decisions about your finances is important to us.

We’ll never bamboozle you with jargon. Our focus is to educate our customers (only where they need it) and make you aware of our products, your options and how these can give you more peace of mind.

Our partnerships with specialists across UK mortgages and insurance products mean our advisors:

Are knowledgeable and happy to answer all your questions
Focused on finding what’s right for your circumstances
Have a collaborative mindset – we’ll work together for your peace of mind.

Your input in the process is vital.

We’re not here to do what’s best for us.

Every relationship is a partnership, and your big life decisions matter to our advisors.

Our vision is to provide a friendly and transparent approach to mortgages and protection. And when you become a customer, you’ll also benefit from our complimentary estate planning review with a will included to ensure all your bases are covered.

Hello,

My name is Zac Ockenden, I am a consultant for Secure Mortgages & Protection.

If anyone would stand to lose financially as a result of your death, or if you would struggle financially as a result of illness, you need to consider financial protection.

>Inadequate life insurance means that in the event of death, those left behind will experience financial difficulties.
>They could lose their home.
>They could find they have to cut back on their dreams for the children’s future.

When was the last time you reviewed your policy?
Do you know if your current policy is up to date with change and advancement of medical science?
Is it written in Trust?
Do you know the benefits of having it in Trust?

Are you looking to protect yourself, your family or your business?
> Life Cover
> Critical Illness
> Business Insurance
> Medical
> Income protection
> Mortgage protection

It is about what you would want to happen to your family in financial terms should you suffer a long-term illness or die prematurely.

Get in contact today for more information and a complimentary discussion.
e: [email protected]

If anyone would stand to lose financially as a result of your death, or if you would struggle financially as a result of illness, you need to consider financial protection.

>Inadequate life insurance means that in the event of death, those left behind will experience financial difficulties.
>They could lose their home.
>They could find they have to cut back on their dreams for the children’s future.

When was the last time you reviewed your policy?
Do you know if your current policy is up to date with change and advancement of medical science?
Is it written in Trust?
Do you know the benefits of having it in Trust?

Are you looking to protect yourself, your family or your business?
> Critical Illness
> Business Insurance
> Medical
> Income protection
> Mortgage protection

It is about what you would want to happen to your family in financial terms should you suffer a long-term illness or die prematurely. Get in contact today for more information.
e: [email protected]