THE ENSURE SOLUTION

Mortgage Link now has the answer to your insurance needs - the Ensure Solution.

Why do I need insurance?

When you look at your investments, your home or your business, can you answer these questions and feel comfortable you have the answers?

– Will I be able to pay the mortgage if I’m unable to work for several months?
– What is likely to happen if I’m unable to work ever again?
– What is likely to happen if I suffer from a serious illness?
– What will happen to my family and their lifestyle if I die?

Ensuring your financial wellbeing at every stage of life

Mortgage Link is driven by a key value – to provide impartial advice that best meets our clients’ needs. We are a long established, well regarded national group with a genuine client focussed approach that is supported by strong advice processes.
Building on these strengths and supported by our well known brand, we can now meet your insurance needs with the Ensure Solution.
When you incur or hold debt it is essential to look at your insurance needs. What will happen to your assets should you be unable to earn income to pay for your ongoing financial commitments? It is also important to think about how to insure your overall future financial well-being. This is where the Ensure Solution can help.
Drawing from our strength as a mortgage advice provider we have entered into relationships with a range of insurance product providers, bringing you a complete range of quality insurance products.

Are you covered in the event of a crisis?

Have you thought ahead?

− What will happen to your family if you are not alive to meet the financial commitments from your debt?
− Will you be able to pay your mortgage if you are unable to work for several months?
− What is likely to happen if you are temporarily or permanently unable to work again?
− What will happen to you and your family if you suffer from a serious illness or disability?

Everyone has different answers to these difficult questions. You may only be able to afford to address a single need (making sure your mortgage is protected) or you may want our advisers to look at all your financial commitments. Whatever your situation, our advisers can provide you with non-aligned advice and insurance solutions for your short, immediate and long term needs.

A range of insurance products

The Ensure Solution gives you access to the following insurance products.

Mortgage Repayment Cover

Mortgage repayments continue should you suffer a total or partial disability. A monthly benefit is paid during treatment and recovery.

Life Cover

A lump sum payment in the event of death. You decide on the purpose of the funds, which are usually used to reduce or pay debt, pay outstanding expenses and perhaps create investments to provide ongoing income for dependents.

Total and Permanent Disability (TPD)

A lump sum payment should illness or injury mean an inability to work and provide income to meet your financial needs. You decide on the purpose of the funds, which are usually used to reduce or repay debt, provide home modifications, additional care or create an investment fund to generate ongoing income.

Trauma Cover 

A lump sum payment should you suffer an identified condition. The identified conditions are usually serious, often life threatening and will have a significant financial impact. You decide on how the funds are used, usually to address debt, purchase specialised equipment or modify homes, or create an investment fund to provide ongoing income.

Income Cover 

Usually a monthly benefit designed to replace your income should you suffer a total or partial disability which leaves you to be unable to earn your normal income.

Medical Cover 

Funding to ensure you have access to private hospital treatment when you require.
With the Ensure Solution, and indeed across all our business facets, our philosophy is that insurance should compensate you for financial loss resulting from an insured event and not just be a windfall gain. We believe insurance should provide protection against “severe impact risk” and that lesser risk should be self insured.

Our advice process will help you understand what your financial needs are and which insurance products
can best meet your needs. We continually monitor insurance providers to ensure we provide you with the best insurance products available. We also review whether you are underinsured or perhaps paying for cover on which you cannot claim.

For impartial advice that will give you greater peace of mind about your financial wellbeing, contact us today.

Contact us now on 0800 466 784
www.mortgagelink.co.nz