Step 9: Protection
Borrowing all that money from your mortgage provider is a big financial commitment, and you'll want to know that you can still make the payments if you lose your job or fall ill. This is where protection comes in.

Most people find their first few years of home-owning to be a financial stretch, and it can seem like insurance is just another cost at the worst possible time. But knowing that you're protected against whatever life may throw at you brings peace of mind, and that's worth a lot.

The exact protection you need depends on lots of factors: your age, your health, the type of job you do, whether you have any dependants and so on. These things will also affect your premiums. Remember that the protection market is a competitive one, and once again our advisers can help you. By researching the whole of the market they can find a policy that meets your needs, and also point you towards any special deals that come along, as they do from time to time. As we said before, duty of care for our clients is something ESPC takes very seriously. We don't simply sell you an insurance contract, we help you make sensible financial decisions that bring long-term prosperity and peace of mind.
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