Protection and general insurance

Life Insurance

Critical Illness Insurance

Life Assurance gives you the comfort of knowing that your loved ones will be provided for should you die. There are many different ways to arrange life cover and we can help you find the most appropriate plan available.

When linked to a mortgage, Life Assurance ensures that in the event of death your mortgage will be repaid. This means that your dependants will be left with a mortgage-free roof over their heads.

Critical Illness Insurance

Critical Illness Cover (CIC) is similar to Life Assurance but it pays out on diagnosis of certain illnesses as opposed to only paying out on death.

You will receive a tax-free lump sum upon the diagnosis of your illness, and once this money has been paid out to you the policy will end.

Every insurer offers different definitions, so we recommend that you obtain advice to ensure that you take out a policy that is suited to your exact requirements.

Income Protection

Family Income Protection

This is designed to support you financially if you can't work due to illness or injury. It will replace part of your income and will continue to pay out until you can work again or until the end of the policy. The payments will be regular, tax-free installments.

Income Protection Insurance can be tailored to suit your individual needs.

It is possible to alter the period before the policy starts to pay out, how much the benefits are and how long they last. It is important to get professional advice to ensure the policy provides cover you require.

Family Income Protection

Family income benefit is a type of life insurance that provides a regular income for your loved ones if you die during the term of the plan. There is no cash in value, so if you stop making payments your cover will end.

Most families rely on at least one regular monthly salary to cover their household spending. How would your household cope financially if you lost a source of income?

For peace of mind, many people choose a type of life insurance called family income benefit.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Registered in England and Wales

Citrine Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority.

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

Registered office address - 39 St. Laurence Way, Bidford-On-Avon, Alcester, England, B50 4FG

Registration number - 12616327

What are our Fees and Charges?

Insurance

We will not charge you a fee for our services relating to insurance, but we will receive commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product.

You will receive a quotation which will tell you about the fees and charges relating to any insurance policy that we recommend.

Mortgages

For our advice services, we will charge a fee of between £395 minimum and £795 maximum. This will depend on the complexity of the case for example adverse credit/ debt consolidation.

• For residential mortgages we charge a fee of £395.

• For buy to let mortgages we charge a fee of £395.

• For clients with complex cases for example adverse credit/ debt consolidation we charge a fee of £795.

Our fee becomes payable when we provide you with our recommendation(s).

If you choose to proceed with our recommendation and the mortgage goes ahead, we will also be paid commission from the lender for arranging the mortgage on your behalf.

The amount of commission we receive varies from lender to lender. Information about the range of commissions available to us from the mortgage products we recommend is available on request.

If you apply for a mortgage that does not go ahead, you will receive no refund.

You will receive a personalised illustration when considering a particular mortgage. This will highlight the key facts about the mortgage product including any fees relating to it and the amount of any commission due to us from the mortgage lender.

If an application is submitted to a lender via a packager (a 3rdparty specialist) we will be paid commission by the packager. This will be disclosed to you.