Getting the right insurance will protect you, your home, and your family.
Death, illness, or injury could stop your family’s income overnight.
If you can’t pay your mortgage or bills, you could lose your home. Insurance will
help your family get through tough times and protect your home.
We speak English and Nepali and our service is completely free of charge.
We’ll help you understand which policies you need, find the most suitable deals, and
arrange them for you too. We do all this for FREE!
Let’s get you, your home, and your family protected.
If your family lost all or part of its income how would you pay the mortgage?
What about bills and living expenses? Accidents and illnesses are a part of life,
but that doesn’t mean you shouldn’t be prepared.
With the right insurance, your family will receive money when they need it the most.
Protecting your home and quality of life, and allowing your family to recover.
How we can help you
There are lots of products available, choosing the right ones can be confusing. If you don’t get the right policies, your family and home could be at risk.
Our service is completely free of charge. We speak English and Nepali so we can explain everything you need to know. With access to all providers, we’ll find you the most suitable products and set them up for you too.
As professional advisors, it’s our job to give you the right advice. We’re also passionate about helping the Nepalese community get properly protected. This service is completely free of charge, so book your appointment today. We look forward to helping you!
You won’t need all of these policies, but we can help you choose the right ones.
Each one has a brief description below, but we will explain them to you properly during
your free chat. We speak English and Nepali so we can help
you understand everything properly.
Life Cover
Life Cover can protect your family against loss of income due to death. It pays out if the policyholder dies or is diagnosed with a terminal illness. Surviving family members will receive a lump sum. This can help cover mortgage payments, debts, and living expenses.
Critical Illness Cover
Critical Illness Cover can protect your family against loss of income due to illness or injury. It pays out if the policyholder suffers from one of the conditions specified on the policy. The money is paid as a lump sum, to help with treatment and recovery costs, mortgage payments, debts, and living expenses.
Income Protection Insurance
Income Protection Insurance can protect your family if you are unable to work due to illness or injury. It pays out as monthly payments, up to 60% of your gross income. It’s tax-free and will continue until the end of the policy, or until you retire or return to work.
Relevant Life Cover
Relevant Life Cover allows businesses to provide tax-efficient Life Cover to its owners and employees. Money is paid to the family of the deceased as a lump sum through a Trust.
Family Income Benefit
Family Income Benefit protects your family’s long term future in the event of loss of income due to death. Money is paid out as monthly income, usually until the children reach working age. It’s often taken out alongside Life Cover to provide short and long-term financial support.
Buildings & Contents Insurance
Buildings Insurance pays out if your property is damaged to cover repairs. Content Insurance pays out if your possessions are damaged, lost or stolen to cover repairs or replacements. Buildings Insurance is required when you take out a mortgage. Content Insurance is not required but is recommended.
Health Insurance
Health Insurance, also known as Private Medical Insurance, gives you and your family instant access to private health care at an affordable price. This includes the latest treatments – which are often unavailable on the NHS – and high quality, personal health care whenever you need it.
Trusts
A Trust holds assets on behalf of the people who are inheriting them. They prevent these assets from being included in any inheritance tax liability. They also allow for claims to be paid without having to wait until probate is granted.
Opening Hours
Mon-Fri: 9am-5:30pmThink carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
Gurkha Mortgages is a trading style of Michael Usher Mortgage Services Ltd which is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Michael Usher Mortgage Services Ltd is a company registered in England and Wales with company number 4156383.
The registered office address is 84 – 88 High Street, Frimley, Surrey, GU16 7JE.
The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Making important financial decisions and putting your trust in a financial advisor can be overwhelming, but the team at Michael Usher Mortgage Services guarantee to stay with you every step of the way.