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


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	Life Assurance


	Term Assurance is a very simple and cost-effective form of life cover which can be used, for example, to pay off your mortgage in the event of death or to offer financial security for your family, should the unforeseen happen. Whilst losing a loved one brings obvious emotional strain, the financial burden can be softened or taken away altogether by having sufficient life cover in place.


	Criticial Illness Cover


	Critical Illness cover (CIC) can be taken out on a standalone basis or attached to a life assurance policy. If you are diagnosed with a specified Critical or Serious Illness the policy is designed to pay out a lump sum. Premiums can vary considerably from company to company depending on your circumstances and whether you choose to have reviewable or guaranteed premiums for the term of the policy. At Emery Mortgage & Insurance Services we search for the most suitable and cost-effective product for you from our panel of leading insurers.

Emery Mortgage & Insurance Services provides Life & Critical Illness cover 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


	These policies are not investment plans, therefore if you cancel your policy you will not receive money back or a refund of the premiums you have paid. All protection policies have benefits and drawbacks. Drawbacks can include exclusions and limits to the amount of cover. We will discuss these with you before we make a recommendation.


	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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