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Protecting Your World

Writer's picture: Kellye PilgrimKellye Pilgrim

Updated: Jan 30, 2023


When you take out a mortgage, you understand the importance of keeping up your monthly payments. You now have a home, but how do you ensure it remains yours?


Although we don’t like to think about it or think that it will never happen to us, sometimes unfortunate events can happen in life that can change your financial situation.


But have you thought how you would you protect your mortgage, if you were sick, injured, or developed a serious long-term illness? And if you have dependants, how would they cope financially if you died unexpectedly? It is your responsibility that you keep up your mortgage payments, otherwise your home may be repossessed.


We are specialists in arranging mortgages and helping people buy their new home, but we are also dedicated to ensuring that you can keep your new home if the worst were to happen.


Why should I consider protection insurance?


Everyone has different needs and circumstances, however some common reasons why you might decide to purchase protection insurance include:

• To protect your family financially should you die.

• To pay off specific financial commitments in the event of your death, such as a mortgage.

• To provide a lump sum or income if you are seriously ill.

• To provide sick pay cover. Statutory Sick Pay is currently just £99.35 per week.

• To ‘top up’ sick pay cover provided by your employer.

• To continue to be able to pay outgoings in the event of accident or illness.

• To avoid having to use your savings in the event of accident or illness.


Availability and cost of cover is subject to criteria such as age, lifestyle, current health and medical history.

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

Pilgrim Mortgages & Protection, a trading stlye of Kellye Pilgrim, is an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: Esher Road, East Molesey, Surrey, KT8 0AH. | Tel: 02082260262

FCA reference number 946166.

The @kellye.pilgrim.mortgages Facebook and Instagram feeds do not represent financial advice and should in no way be taken as such. Should you click on any links from this site you will leave the regulatory site of Pilgrim Mortgages and Protection. Neither Pilgrim Mortgages and Protection nor HL Partnership Limited are responsible for the content of other sites.

Our fees will be confirmed in the first meeting. A typical fee is £595. In some circumstances no fee will be payable. We may also be paid commission from the lender.

©2021 by Pilgrim Mortgages and Protection

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