Insurance might not be the first thing on your mind when you are buying a home and taking out a mortgage but it can provide vital protection for you and your loved ones. In a new series from mortgage intermediary Alexander Hall, which complements the series from Greg Cunnington on the mortgage process, we find out more about ‘the importance of protecting your mortgage’.
In the first article we meet Hatice Karadal (pictured), manager of the Alexander Hall protection team, who begins the series by introducing herself and her team and explaining how they add value for mortgage clients.
I am the manager of the Alexander Hall protection team working alongside Chelsea Warren and Sam Salim. As a team we provide protection advice on life insurance, critical illness cover and income protection. Don’t worry we will be explaining these in more detail, later in the series. We are passionate about the work we do, ensuring Alexander Hall mortgage clients receive a mortgage which isn’t just affordable but sustainable in the event of unfortunate circumstances.
Clear explanation
We appreciate that talking about protection is not typically what mortgage clients expect to be doing as part of the process. In fact, quite often, mortgage clients have little or no understanding of what is involved. With this in mind my team and I are careful to give everyone the opportunity to learn more about the topic and then explain the details in a way which is simple and clear. This takes a lot of weight off our clients’ minds, especially as they already have a lot of new information to contend with.
The mortgage advisers discuss the importance of protection throughout the process, from the first meeting through to completion. We prefer to speak to clients early in the process, as this gives us both more time to get the cover the clients require in place, prior to exchange of contracts.
Feedback
The satisfaction of the job comes simply from helping people. The team and I often receive calls from past clients thanking us for the cover previously put in place, which has since helped them financially through a difficult period of their lives.
It’s always great to hear feedback from clients we have helped, so below I’ve shared some recent reviews clients have posted on Trustpilot.
Next month we will be focusing on ‘Why mortgage clients need protection’.
“We felt supported and informed throughout the process – which, as first time buyers, really counted for a lot. Chelsea Warren was equally helpful and knowledgeable, and brilliant in helping us to understand the often-complex world of insurance. She took care to make sure we got the cover we needed and never put us under pressure. It was a pleasure to work with both and we will be recommending them”.
Sam Salim has been extremely helpful with my protection plans all in extremely tight time frames. They have all been proactive, helpful and gave me amazing advice during what could have been an extremely complicated and prolonged process. Would not hesitate in recommending him or Alexander Hall”.
“My advisor Hatice was very helpful and took time to look into my needs and requirements in detail. She was then able to advise some improvements to my income protection and Illness cover”.
Please feel free to visit our website to learn more about Protection: https://www.alexanderhall.co.uk/life-insurance/ where you can also find details to get in touch to discuss your protection cover options.
