Got a mortgage? Worried about what happens if life takes an unexpected turn? At Spirit, we’re here to help you look after your loved ones with mortgage protection that’s more than just a safety net - it’s a plan with a personal twist and benefits traditional insurers can’t match. Let’s tackle the questions you’re probably asking right now.
What Is Mortgage Protection, Anyway?
It’s simple: if something happens to you, this insurance helps pay off your mortgage - or keeps the payments going - so your family doesn’t lose the home you’ve worked hard for. With Spirit, it’s not just about covering the debt; it’s about giving you peace of mind and extras that make a difference, all at the same price as the basic stuff.
Why Choose Spirit Over Traditional Insurance?
Good question! Traditional mortgage protection gets the job done - pays the lender, end of story. Spirit? We go bigger. Picture this: you and your neighbor both get mortgage protection, same cost. They go traditional; you pick Spirit. They get the essentials; you get free perks that actually help your family live better, thanks to your dedicated advisor:
- Global Treatment: Care anywhere life takes you.
- Fracture Cover: Protection for those “oops” moments.
- Second Medical Opinion: Expert advice when you need it most.
- GP 24/7: A doctor whenever, wherever.
- Physio & Mental Health Support: Strength for body and mind.
- Free Will and Trust: Your policy in trust—your home, your legacy, sorted.
- Plus More: Benefits that traditional insurers don’t even think about.
Will I Be Stuck Talking to a Call Center?
Nope! With Spirit, you get one advisor - your own person who knows your mortgage, your family, and what you’re aiming for. Need to chat about your plan? Call them directly. They’ll make sure your coverage fits your mortgage perfectly, whether it’s protecting payments or clearing the whole thing. Traditional insurance can’t touch that kind of service.
How Does It Work With My Mortgage?
We tailor it to your loan - whether it’s decreasing term (shrinking as you pay off the mortgage) or level term (staying steady). Your advisor will figure out what matches your payments, your budget, and your life. No guesswork, no stress - just a plan that keeps your home safe for your loved ones.
What’s the Catch?
There isn’t one. You get all this - mortgage protection plus amazing extras. All for the same price as a traditional policy. We’re Spirit, and we believe looking after your loved ones means giving you more, not less. Why settle for just covering the mortgage when you can cover so much more?
Got More Questions? Let’s Talk
Get started today and you’ll be allocated a personal advisor based on your needs. Someone that can give you real answers. We’ll craft a mortgage protection plan that’s all about you, loaded with value traditional insurance can’t offer. Because at Spirit, your home and your family deserve the best.