The leading specialist mortgage broker for Life Insurance for Doctors & Critical Illness Cover for Doctors
Our advisers understand how busy you are and are able to source competitive life insurance for your property to offer a full service to you for both your mortgage and protection needs.
Made it so easy to have everything
sorted for me; my mortgage,
life cover and building insurance
in one streamlined proces
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Tailored Life Insurance For Doctors
As a doctor, you’ll know more than anyone that you can’t always predict what is around the corner.
That’s why it’s vital that you have life and critical illness insurance to protect your income and your family financially in the event of you becoming critically ill or passing away.
Here at MPI Online, we have over 30 years of experience working in the insurance industry and have unrivalled knowledge of the medical sector, thanks to our previous experience working for the British Medical Association (BMA).
However, finding the proper illness and life insurance product that provides you with the level of cover that you need can be confusing for anyone. When you are a doctor, this can get particularly complicated as it is likely that you are eligible for employee benefit schemes, which can leave you unsure of what cover you need, if any. Â
If you pay into an NHS pension scheme, you are entitled to a death in service benefit. In this case, your loved ones will be paid a lump sum that is a multiple of your annual salary, depending on which scheme you pay into.
While it is reassuring to have benefits like this in place, the money received probably won’t be enough to cover all of your loved one’s financial commitments after you are gone. For a doctor working privately, this is even more important as you may not be entitled to this benefit, so you may need a higher level of cover to ensure your loved ones are taken care of.Â
This is why additional personal cover is so vital for your peace of mind, knowing that your family won’t have to face any financial burdens without you providing for them.
Talk through your life insurance options with MPI Online today!
Fancy owning your own medical student pad, but not sure how to manage a mortgage as a medical student? Read on to find out how to make it happen.
Tailored Critical Illness Cover For Doctors
When you are a medical professional, you may be the main earner in your household. If you cannot work due to critical illness, you may not be able to afford your family’s expenses, including your repayment mortgage, loan repayments, rent, utilities, or food and travel.
As a doctor, you will have witnessed first-hand how difficult it can be for patients to come to terms with a critical illness. Not only is it stressful having to deal with ill health, but this can be made even more devastating when you add in the burden of financial worries.
Critical illness cover for doctors is invaluable in the face of a life-changing diagnosis or health condition. Our policies will pay out a lump sum to help ease the stress at such a difficult time.
We can help provide protection for doctors who are facing cancer, kidney failure, multiple sclerosis, strokes, heart attack, and many other life-changing health conditions.
Our experts here at MPI Online can talk you through your options and help you prepare for future uncertainties with life cover tailored to you. We’ll keep the process as hassle-free as possible, ensuring that you can rest easy as you’ll have a policy that fits your needs. Â
A real world mortgage case
I am incredibly grateful. The offer pinged through an email at the very moment I entered the centre of one of Scotland’s most famous stone circles. The Ring of Brodgar on Orkney. That’s just got to be a good omen, on the day of a New Moon and Solar Eclipse too
Jordan, Foundation 1 Doctor, Liverpool
Why Use MPI Online?
Shopping for the right life and critical illness cover takes time. You want to be 100% certain that your chosen insurance product will give you and your family the payout you need in difficult times.
When you turn to MPI Online, we can help you source the best life insurance for doctors that meets all of your needs. We’ll tailor our policies to you so you have the peace of mind that you are covered in all eventualities.
We can help you choose a policy that fits your needs, this might include one of the following types of life insurance:
Term Life Insurance
This provides cover for a specific period of time. If you pass away during this period, a payout will be made to your family.
Whole of Life Insurance
This type of policy gives you lifetime protection and guarantees a payout to your loved ones when you pass away.
Critical Illness Cover
Critical illness cover for doctors is available as a standalone policy or can be added to a life insurance policy. It can pay out a lump sum if you’ve been diagnosed with a critical illness and can help replace lost income while you’re unable to work.
Income Protection
Doctors income protection will pay out a percentage of your salary up to 65% should you be unable to work because of sickness or injury.
Family Income Benefit (FIB)
With this policy, your loved ones will receive monthly payments after you pass away to help replace your lost salary instead of a lump sum.
Unsure what type of policy you need? Contact us and our friendly expert team will be more than happy to help you!
8 reasons why is makes sense to use Doctors Mortgages
Our Experience
We have more than 20 years of experience sourcing mortgages for doctors that work for them. Doctors often earn higher than the average worker, so you would think they would have no problem securing the funds to buy a property. High street banks don’t understand the complexity of the medical profession, which can result in delays and rejected mortgage applications. With us, it’s simple. We provide practical mortgage advice at any stage in their career, sourcing mortgage deals of up to 5.5 times your income.
100% Online Service
Unsociable working hours and fragmented shifts can make it harder for you to find time to research lenders. Our 100% online mortgage broker service works around your schedule, with all communication via email or phone. We will never request to see you face-to-face unless you want to, and we will only contact you when you are available.
Saves You Time
Our online mortgage broker service will do all the leg work for you. You provide us with the essential information, and we’ll do the rest, from filling out the forms and submitting the application. We’ll handle communication with the lender to secure a mortgage for doctors wherever they are.
A Personal Mortgage Advisor
Once we are in touch, you will be allocated your personal mortgage advisor to guide you through the process. A specialist in providing mortgage advice for doctors, they will arrange the paperwork and find the right lender to ensure that your funds arrive in time to exchange contracts.
Understanding Of Earnings Structure
Regular lenders make mortgages for doctors complicated. Our online mortgage brokers understand how you get paid and how your employment contracts work so you won’t get rejected due to misrepresentation.
Strong Relationships With Lenders
We’ve built up trusted relationships with bespoke lenders that are not on the high street, meaning we can access better mortgage rates than you could find yourself.
Easy Application Process
Our brokers handle the entire application process, so you can rest easy.
Fee Free
The online mortgage broker for doctors’ service we provide doesn’t require a fee unless your case is particularly complex. We work on a commission basis.
8 reasons why is makes sense to use Doctors Mortgages
Our Experience
We have more than 20 years of experience sourcing mortgages for doctors that work for them. Doctors often earn higher than the average worker, so you would think they would have no problem securing the funds to buy a property. High street banks don’t understand the complexity of the medical profession, which can result in delays and rejected mortgage applications. With us, it’s simple. We provide practical mortgage advice at any stage in their career, sourcing mortgage deals of up to 5.5 times your income.
100% Online Service
Unsociable working hours and fragmented shifts can make it harder for you to find time to research lenders. Our 100% online mortgage broker service works around your schedule, with all communication via email or phone. We will never request to see you face-to-face unless you want to, and we will only contact you when you are available.
Saves You Time
Our online mortgage broker service will do all the leg work for you. You provide us with the essential information, and we’ll do the rest, from filling out the forms and submitting the application. We’ll handle communication with the lender to secure a mortgage for doctors wherever they are.
A Personal Mortgage Advisor
Once we are in touch, you will be allocated your personal mortgage advisor to guide you through the process. A specialist in providing mortgage advice for doctors, they will arrange the paperwork and find the right lender to ensure that your funds arrive in time to exchange contracts.
Understanding Of Earnings Structure
Regular lenders make mortgages for doctors complicated. Our online mortgage brokers understand how you get paid and how your employment contracts work so you won’t get rejected due to misrepresentation.
Strong Relationships With Lenders
We’ve built up trusted relationships with bespoke lenders that are not on the high street, meaning we can access better mortgage rates than you could find yourself.
Easy Application Process
Our brokers handle the entire application process, so you can rest easy.
Fee free
The online mortgage broker for doctors’ service we provide doesn’t require a fee unless your case is particularly complex. We work on a commission basis.
How Life And Critical Illness Cover For Doctors Works With MPI Online
MPI Online takes the stress out of finding a life insurance policy. We can take care of the entire process for you. Simply provide us with a few details so we can tailor a policy to your needs.
Protect your future and that of your loved ones in just three steps:
Get in touch
Kick things off with a call, email, or by filling out our contact form.
2. Initial Meeting
We’ll then arrange a meeting to discuss your specific needs from your insurance policy.
Review & Accept
We’ll let you know what your options are, making sure you understand each element of your policy. If you’re happy, all you have to do is take out the policy with us.
We can help you with all your mortgage and investment
needs at every stage of your financial journey
Boost Your Chances Of Getting A Mortgage With Our FREE Guide.
Mortgage advice and guides
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Buy to let mortgages and let to buy mortgages – what’s the difference?
Mortgages for Locum Doctors
Can Junior Doctors Get a Mortgage?
Get in touch and see if we can find you the mortgage you want
