Landlords & Life Insurance

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Landlords & Life Insurance

Landlords Life Insurance

Life insurance is a must-have if you’ve got a mortgage, loan, or people relying on you financially. If something happens to you, this insurance kicks in and gives out a tax-free lump sum. 

As a landlord, you will more than likely have taken out a mortgage, usually a buy-to-let mortgage. This is where the repayment is Interest Only.  

To fine the best life insurance for you we will ask you:

  • What kind of mortgage have you had?
  • Do you have a buy-to-let mortgage? 
  • What is the value of the property? 
  • How long is the mortgage lasting for? 
  • Is the mortgage Interest Only or Capital Repayment?

If you would like to have peace of mind for your family, or people who are financially dependent on you, taking out Life Insurance for a little cost each month would ensure that instead of having to potentially sell the property, or rely on rental income, your loved ones can keep on owning the property and use the money from the insurance in other ways.

Being a Landlord should not cause any issues for you getting life insurance. If you have lots of properties and your mortgages have quite a high value, over £1m, then the insurer might ask for some proof of your finances before offering life insurance.

Our advisers are here to help you find the right insurer to match your circumstances, to get you the best terms possible.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical Illness Cover is important if you’ve got a mortgage, loan, or people counting on you financially. Similarly to Life Insurance above, getting Critical Illness Cover as a Landlord shouldn’t be a problem.  The insurers will want to know what type of mortgage you have and how long you have it for, as well as the value of the property you have.

With a critical illness payout, the money could be used to help pay towards the mortgage, or perhaps to make home modifications in order to make your day-to-day living more comfortable.

Our expert advisers will find the right critical illness policy to match your work.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

As a Landlord, you will still receive money from your tenants, even if you are not working. If you are ill and cannot work you would not be able to receive a payout on most income protection policies, if you continued to receive rental income.

You might have a main job, and being a Landlord is a second “side” job. In this case you would usually insure your income on your main job, but the insurer might ask if you have a second job and if would still receive money from it if you are ill. It’s important to share your income sources with the insurer from the start as it can become very complicated at claim stage. You also don’t want to set up the income protection policy wrongly and be paying for something that you can’t claim on.

Understanding Income Protection for Landlords is complicated, and it really is best to speak to an advisor who can talk with insurers about the complexity of your situation. 

Our advisers recommend income protection for people every day and we will be able to let you know exactly what you can have. Get in touch today for a no obligation quotation.

Get an Income Protection Quote

We work alongside a specialist travel broker to get you the travel insurance that you need. It is even more important to make sure that seek advice if you are regularly travelling outside of the UK to see your clients. To find out more, please visit our travel page here.

  • Stress

  • Falls

  • Back injuries

  • Making repairs

  • Health and Safety

  • Rent and rent increases

  • Evictions

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Landlords Life Insurance

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Landlords Life Insurance

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Landlords Life Insurance

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