EPS Mortgage Solutions Ltd offers a range of insurances, including home insurance, life insurance, critical illness cover and payment protection.

Home Insurance

This covers your home and contents against a fire, flood or break-in for example, or if your pipes burst. Home insurance policies include those just covering the contents of your home, those just covering the actual building you live in, or joint policies, covering both.

Your home is normally your biggest investment and it's also where you live. If anything was to happen, like a fire, flood or a break-in, you'd want to know you could afford to repair the damage. That's why home insurance is so important.

You'll probably want to look at:

• Buildings insurance - if you own a property
• Home contents insurance - if you own or rent your home

Life Insurance

Term Assurance, often referred to as life insurance, is designed to provide cash either by lump sum or regular payments in the event of death during a specified period of time.

Term Assurance policies have no surrender value at any time. If no claim is made the policy will cease at the end of the term without value. The cost of this type of life insurance is lower than 'whole of life' policies for a given amount of cover. Term Assurance will normally be for a set term, for example at the end of which it may be that the family will be self-sufficient and not reliant on the person originally insured.

Critical Illness Cover

This type of insurance is designed to cover a specified range of critical illnesses and will pay out a lump sum if you are diagnosed with a serious illness during the policy term. It is not designed to replace lost income; a separate type of insurance, Income Protection is tailored to meet this need.

It is important to seek guidance when looking at critical illness insurance as policy conditions, illness definitions and survival conditions vary considerably from company to company.

Critical illness insurance provides financial assistance to help you cope with the impact of surviving a serious illness. The payout can be used to repay or reduce a mortgage or other financial commitments or provide funds to assist with recovery or purchase special equipment.

A serious or critical illness is one which is regarded by the medical profession as life threatening and examples are heart attack, stroke, cancer, major organ transplant, kidney failure. You should check the details of any policy for the exact list of conditions covered.

Call 0800 0197 068 for more information.