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Professional family income benefit advisors.

Don’t spend the present stressing about your family’s future. Our qualified insurance advisors are here to help you put the right protection in place.

Your home may be repossessed if you do not keep up repayments on your mortgage. When The Bank Says No is a mortgage broker, and not a lender.

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Finding The Best Family Income Benefit Deal For Your Circumstances

When a family sadly loses a partner, they also lose the income and financial support they provided. Life cover like family income benefit can be a lifeline at this difficult time, allowing them to move through their grief and deal with the situation without having to worry about money. If you’re concerned about the protection you have in place for your family, we can help you find a family income benefit provider to rely on. Even if you’ve been declined elsewhere, our specialist insurance advisors will scour the whole of the market to help you identify the deal best for to your circumstances.

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What is family income benefit?

Family income benefit is an insurance product intended to support households that have lost a loved one and the financial contribution that person provided. It is a type of life cover, and works by delivering a monthly pay out to the beneficiaries once it has been claimed for the remaining duration of the insurance term. So, for example, if you died 5 years into your 20 year policy, your family would receive monthly payments for 15 years.

Freeing your family from worry.

We understand how worrying it can be to contemplate how your family will manage without you there to support them. Trying to get your head around insurance terminology and complicated conditions is exhausting. Luckily, we’re here to help. Our team of professional insurance advisors can take the stress out of finding the right life cover for your needs. With us, you can rest easy in the knowledge that your family’s monthly income, home and additional needs will be taken care of whatever happens.

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Let's get the ball rolling.

We can support you and help you to make yourself as attractive to banks as possible, ready for your next application!

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In order for us to assess your credit history and suitability for different mortgage products, you will need to check your file.

How would family income benefit support my family?

Losing a family member is an incredibly difficult time, and financial commitments can make it even more so. If the income of the person lost was integral to the family finances, it may now be hard to pay bills, meet debt repayments and cover daily expenses. Family income benefit supports the family by bridging the financial gap while they adjust to the loss, helping them maintain the lifestyle they previously enjoyed.

Turning Your Nightmares Into Dreams

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When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.

Can I get family income benefit if I’ve been declined in the past?

Yes, it is possible to get family income benefit, even if you’ve been previously declined. You may have been turned down by an insurer because you disclosed a past or present medical condition and they were not willing to offer cover due to the added risk that a claim would be made. The good news is plenty of insurers out there will be willing to accept you, even if you have an existing illness. With a team of qualified advisors at your side, it’s possible to get a specialist policy with perfectly affordable premiums. Don’t stress; we’re here to make sure your family is protected. Contact us today!

Why would I include family income benefit in my protection plan instead of just a lump sum pay out?

The point of life cover is to make life easier for our loved ones. The death of a family member can be the worst time of anyone’s life, and anything that can ease the strain is worth investing in. Whilst a lump sum can be highly beneficial, insurance that provides regular monthly payments is also worth having. This will take the stress out of day-to-day finances and mean the lump sum isn’t depleted by monthly obligations. Instead, the replacement income can cover daily household commitments and expenses, providing an essential lifeline through a tough period of time.

Frequently Asked Questions

Can my life cover still pay my family a lump sum alongside a monthly income?

Yes, there are policies that do this, and many people choose to structure their life cover in this way. The benefit of this kind of insurance arrangement is that you will be provided with a lump sum to address larger family commitments, and monthly payments to deal with day-to-day finances like bills and mortgage repayments. This doubled support package can dramatically ease the struggle and strain experienced by your loved ones in the event of your death, allowing them to process their grief and navigate a difficult time without stressing about money.

Family income benefit can be affordable, but only if you get a suitable policy that is tailored to your family’s needs. To make sure you’re not paying over what you should, working with an experienced insurance broker is a great idea. Not only will you be able to take out a policy with confidence that it will provide the required protection at the right cost, but you can also rest easy in the knowledge that the terms have been adequately evaluated. Get in touch with our friendly team and we can start discussing your options!

Expert advice for declined family income benefit.

When the Bank Says No is a team of mortgage brokers and insurance advisors dedicated to helping our clients protect their household from the unknown. We work across the whole of the market, providing transparent advice and bespoke recommendations based on your particular circumstances. With access to specialist lender, we enable even those with complex medical histories to find life cover that is affordable now and highly beneficial if the worst happens. Your family’s future is too important to leave to chance.

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