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Meet Suzy and Tom

Suzy and Tom are a newlywed couple who have just purchased their first home, and their costs and concerns are mounting up.

Age: 30 and 31

Hobbies: Travelling

Concerns: Keeping up with their mortgage payments

Suzy and Tom's Insurance Story

Suzy and Tom are a newlywed couple with their first child on the way, with Suzy due in 7 months’ time. Before Suzy became pregnant they spent a lot of time travelling the world together and going to music festivals.

They’ve just purchased a two bedroom house after deciding it’s time to settle down, and are busy preparing themselves and the house ready for their new arrival. They both currently work full time, so are finding themselves rushed off their feet with things that still need doing.

With the bills and expenditures mounting up, Tom has started to worry that if anything were to happen to either one of them they would not be able to maintain their standard of living and would be unable to continue paying off their mortgage.

  • What would happen if they couldn’t keep up their mortgage payments, could they lose their house?
  • If Tom became ill or lost his income whilst Suzy is on maternity leave, how would they pay their bills and maintain their standard of living?
  • Could either one cope financially if they became a single parent should the worse happen?

Suzy and Tom's cover considerations

A home with a padlock on it

Mortgage

A range of products designed to help pay for the mortgage if you’re unable to work.

Stacks of coins protection by an umbrella

Salary

Protection against loss of income if you’re unable to work because of an accident or sickness.

Two young children, one boy and one girl

Family

Maintain your family’s standard of living by choosing a product designed to support your loved ones financially.

Both Suzy and Tom were unsure on which protection product would best suit their needs, as they had a few different considerations to take into account. They decided to speak to a LifeSearch adviser, who after running through their circumstances was able to make a recommendation on the product best suited to meet their needs.

Do you need help? Talk to an adviser

LV= have chosen to partner with LifeSearch to offer customers independent advice for protection products.

If you want advice, you can speak to one of their advisers.

Calls may be recorded and/or monitored for training and audit purposes.

Call 0800 197 2266

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Mon to Thu 8am - 8pm, Fri 8am - 6pm.