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|I need more than £2500 per month benefit|
Given the lack of an effective government safety net it is highly advisable when you take out a mortgage to also take out a mortgage income protection policy. No one is immune to accident, sickness, unemployment or redundancy. Should you find yourself in one of these predicaments your first priority in terms of bills should be your mortgage.
Mortgage protection plans are usually cheaper and easier to obtain than short term income protection. The reason behind this is most people would not take out a mortgage if they expected to be unable to work for any reason whereas lots of people try to take out income protection policies once they know they are going to be made unemployed.
We have a wide range of mortgage payment protection policies at UKinsuranceNET, with benefit levels from £1000 to £2500 per month or in some instances even more. One of our most popular plans is the Paymentshield best quote plan this will cover your mortgage plus 25% to cover other mortgage related commitments.
Our cheapest mortgage repayment protection policy is probably the Cardif Pinnacle plan however this policy has one of the longest initial unemployment exclusions for existing mortgages.
Finally we would ask you to remember one thing, please do not feel pressurised into buying your payment protection policy from your lender. It will generally be more expensive and certainly no better than you can obtain from an independent specialist like UKinsuranceNET.