At KJ Mortgage Specialists, we understand that your insurance and protection needs will change throughout your life. While these conversations can be difficult, they are often the most important. We offer a range of advice and solutions to help you protect your family and secure your future.

Here are the key types of coverage we can help you with:

• Life Cover: Life insurance provides a lump sum to your nominated beneficiary in the event of your death, with some providers also offering coverage for terminal illness diagnoses. It's especially important if you have dependents, long-term debts like a mortgage, or wish to leave financial support for your loved ones.

• Family Cover: Family Income Benefit provides a regular, tax-free income to your family if you die or are diagnosed with a terminal illness. It can help cover living expenses, household bills, mortgage payments, and education costs.

• Critical Illness Cover: This policy pays a lump sum if you are diagnosed with a critical illness covered by your plan before the policy expires. It can help with household bills, mortgage payments, and maintaining your family's standard of living if you need time off work to recover.

• Income Protection: This provides a monthly, tax-free income if you're unable to work due to accident or illness. The cover can be for a set term (1, 2, or 5 years) or until retirement age (up to 70).

• Accident & Sickness Insurance: ASU insurance covers part of your income if you're unable to work due to illness, injury, or redundancy. It typically offers a benefit for up to 12 months.

We work with a range of top providers to ensure you get the right personal protection, giving you peace of mind that your home and loved ones are financially secure.

When arranging your cover, we provide full advice and recommendations to ensure the insurance solution is tailored to your current needs.