Emery Mortgage & Insurance Services - Independent Advice from Certified Mortgage Specialists


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	Income Protection


	How would you and your family cope if you were unable to work through accident or sickness? Would you still be able to pay your mortgage or provide for your family? An Income Protection Plan can replace some of the income which is lost right up until the time you would be due to retire* or return to work**.

	Please contact us for further details on the options available to you and see how we can help you protect your income.


	When you request a quote or are effecting a policy through us, full details of the options available to you and the cover selected are, of course, provided. However, some of the options available, depending on which policy is most suitable for you are:


	No premium loading for high risk occupations.


	Choice of retirement ages between 50 and 65.


	A choice of cover from day one or after incapacity has lasted 1 week or 4, 8, 13, 26 or 52 weeks.


	*retirement age selected at inception of plan.
	**whichever is the sooner.


	Same rates for male and female.

	Housepersons cover.

	Smokers pay the same rates as non-smokers


	Emery Mortgage & Insurance Services provides Income Protection from the following providers:-

AXA through Emery Mortgage & Insurance Services

Aviva through Emery Mortgage & Insurance Services

BUPA through Emery Mortgage & Insurance Services

Royal Liver Assurance through Emery Mortgage & Insurance Services

Scottish Provident through Emery Mortgage & Insurance Services

Scottish Equitable products through Emery Mortgage & Insurance Services

There are limits to the amount of cover you can arrange, usually 65% of your gross salary. Pre-exisiting medical conditions may be excluded.


	We do not charge a fee for our insurance services. We do not normally charge a fee for mortgage advice, however as we are independent a fee paying option is available. Our typical fee is £99.00.


	YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

	Emery Mortgage & Insurance Services is an Appointed Representative of H. L. Partnership Limited which is authorised and regulated by The Financial Services Authority. Emery Mortgage & Insurance Services are entered on the Financial Services Register (http://www.fsa.gov.uk) under reference 414055 and H. L. Partnership Limited is entered on the register under reference 303397.

		The guidance and/or advice contained within this website is subject to the UK regulatory regime & is therefore primarily targeted at consumers based within the UK.

		Copyright © 2006 Emery Mortgage & Insurance Services. Proprietor - Rob Emery CeMAP. Emery Mortgage & Insurance Services are not responsible for external websites.

		Registered Correspondence Address - 5 Champernowne Crescent, Ilfracombe, North Devon EX34 9PL. You can e-mail us by clicking here.

		*Home visits, including evening appointments, are available in Ilfracombe, Braunton, and Barnstaple and their surrounding areas. If you are not in any of these areas we would be happy to provide our range of of mortgage and insurance services to you over the phone. Please contact us if you would like to arrange a no obligation appointment.




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