Mortgage Protection Insurance
Life Insurance Advice – Protecting What Matters Most
Life insurance provides financial security for your loved ones in the event of your death. It pays out a tax-free lump sum, known as the death benefit, to your chosen beneficiaries helping them cover key expenses like the mortgage, living costs, debts, and funeral costs.
At Grandi Mortgage Solutions, we offer clear, tailored life insurance advice to homeowners and families across Chinnor, Oxfordshire and beyond.
How Does Life Insurance Work?
✅ Choose a Policy Type
There are different types of life cover depending on your needs:
- Term life insurance – covers you for a fixed period (ideal for mortgage protection)
- Whole of life – pays out whenever you pass away
- Decreasing term – reduces in line with your mortgage balance
✅ Pay Monthly or Annual Premiums
You’ll pay regular premiums to keep your policy active. The cost is based on your age, health, lifestyle, and how much cover you need.
✅ Payout on Death
If you pass away during the policy term, your beneficiaries receive a lump-sum payment, which can be used to:
- Pay off the mortgage
- Cover household bills or childcare
- Fund funeral costs
- Provide long-term financial security
Why Is Life Insurance So Important?
- Protects Your Family’s Lifestyle
Replaces your income if you’re no longer there to provide for your family. - Covers Outstanding Debts
Prevents your loved ones from inheriting financial liabilities like mortgages or loans. - Covers Funeral Costs
Takes the financial pressure off your family at an already difficult time. - Supports Estate Planning
Can help cover inheritance tax or leave a legacy for your children. - Offers Peace of Mind
You’ll know your family will be financially protected, no matter what happens.
Get Personalised Life Insurance Advice
At Grandi Mortgage Solutions, we take time to understand your situation and recommend cover that works for your budget and goals without the jargon. Whether you’re buying your first home or reviewing existing policies, we’re here to help.
Get in touch today for life insurance advice in Chinnor and surrounding areas.
Critical Illness Cover Advice
Critical illness cover provides a tax-free lump sum if you're diagnosed with a serious medical condition listed in your policy such as cancer, heart attack, or stroke. This money can help cover your mortgage payments, household bills, treatment costs, or any financial support you may need while focusing on recovery.
At Grandi Mortgage Solutions, we offer clear, tailored advice on critical illness insurance to clients across Chinnor, Thame, and the wider Oxfordshire area.
How Does Critical Illness Insurance Work?
✅ Choose the Right Level of Cover
You can take out critical illness cover as a standalone policy or as part of a life insurance plan. It pays out a lump sum if you’re diagnosed with a specified illness during the policy term.
✅ One-Time Payout on Diagnosis
If you’re diagnosed with a qualifying condition, your policy pays out once giving you the financial freedom to make important choices without worrying about money.
✅ Helps Protect Your Home & Lifestyle
The payout can be used for:
- Covering your mortgage repayments
- Paying for private treatment or adaptations to your home
- Replacing lost income while you recover
- Supporting your family during a difficult time
Why Consider Critical Illness Cover?
- Health issues can strike at any age and financial stress makes it harder to cope
- Gives you time and space to recover without rushing back to work
- Protects your home and lifestyle during uncertain times
- Complements life insurance for a more complete protection plan
Get Personalised Advice on Critical Illness Cover
We’ll help you understand what’s covered, compare policies from leading insurers, and find a solution that suits your needs and budget with honest advice and no pressure.
Speak to your local protection adviser in Chinnor today.
Income Protection Insurance Advice
How would you pay your mortgage and bills if you couldn’t work due to illness or injury? That’s where income protection insurance comes in.
Income protection provides a regular monthly income if you're signed off work due to illness, injury, or a long-term health condition. It’s especially valuable if you're self-employed, have limited sick pay from your employer, or want extra peace of mind.
At Grandi Mortgage Solutions, we offer expert income protection advice to clients across Chinnor and the surrounding Oxfordshire area, helping you find the right level of cover for your situation.
How Does Income Protection Work?
✅ Monthly Payouts When You Can’t Work
If you’re signed off work by a medical professional, income protection pays a percentage of your salary (usually around 50–70%) until you recover or reach the end of the policy term.
✅ Flexible Waiting Periods
You can choose when the payments begin from 1 month to 12 months after you're unable to work. A longer waiting period usually means lower premiums.
✅ Long-Term or Short-Term Options
Policies can pay out for a fixed period (e.g. 2 years) or until retirement, depending on your needs and budget.
Why Consider Income Protection?
- Covers your mortgage and essential bills if you're unable to work
- Peace of mind for the self-employed or anyone without generous sick pay
- Removes financial pressure during recovery
- More comprehensive than critical illness cover alone
Tailored Income Protection Advice for You
We’ll help you compare providers, understand what’s covered, and choose a policy that protects your lifestyle and financial future — without overpaying.
Let’s protect your income and your peace of mind. Get in touch today for advice from your local protection adviser in Chinnor.
Buildings & Contents Insurance Advice
Your home is likely your most valuable asset and protecting it should be a top priority. At Grandi Mortgage Solutions, we offer tailored advice on buildings and contents insurance for homeowners and tenants across Chinnor and Oxfordshire.
This type of insurance combines two key elements into one comprehensive policy:
- Buildings insurance protects the structure of your home
- Contents insurance protects the belongings inside it
We’ll help you find the right level of cover from trusted providers — making sure your home and everything in it is properly protected.
What Does Buildings & Contents Insurance Cover?
✅ Buildings Insurance
Covers the structure of your property including walls, roof, floors, windows, and permanent fixtures like kitchens and bathrooms.
You’re protected against risks such as:
- Fire and flood
- Storm or weather damage
- Vandalism or accidental damage
- Subsidence
✅ Contents Insurance
Covers the items inside your home including furniture, electronics, clothing, appliances, and valuables.
It provides cover for:
- Theft or burglary
- Fire or water damage
- Accidental damage (optional depending on the policy)
Why Is Home Insurance So Important?
- Financial Protection – Avoid large out-of-pocket costs if your home is damaged or your possessions are stolen
- Peace of Mind – Know that you’re covered against life’s unexpected events
- Mortgage Requirement – Most lenders require buildings insurance as a condition of your mortgage
- Tailored Cover – Choose the level of protection that suits your needs, including optional extras like accidental damage or personal possessions cover
At Grandi Mortgage Solutions, we’ll explain your options clearly and help you set up cover that works for your home, lifestyle, and budget.
Get in touch today for personalised buildings and contents insurance advice in Chinnor.