Head Office 01206 577 266 | Head Office Fax 08717 334 367 | Email us office@hdconsultants.net 
When you are sitting at home with your family, take some time to have a look at them and think about how much they mean to you. 
 
Now reverse that and think about how much you mean to them.. 
Whether you are Mum, Dad, Guardian, Houseperson, Breadwinner, you mean the absolute world to them. 
 
If they lost you what are they losing? 
 
They are losing everything. Even if there are others around them, they have lost everything. 
 
When you are there, what do you provide? 
 
Security 
 
Comfort 
 
Love 
 
What would happen to them if you were uninsured against losing you? 
 
They would suddenly lose someone they thought was a permanent fixture, breaking the fabric of reality to them that anything can be taken away from them. 
 
Would they turn bitter and ACT out? 
 
Would they retreat into themselves, the light and hope inside going out? 
 
Would the children’s schooling suffer? 
 
Would they be able to stay in the house or need to move to a smaller/less attractive house, leaving memories of you behind? 
 
Would they need to leave their friends behind? 
 
Would they be able to make new friends when their world has been shaken so much? 
 
Would they have to resign to not having the things they want or need? 
 
Would they be able to get over this and still become the amazing adult you always wished for them to be? 
 
Would your spouse throw themselves into work, possibly growing cold and distant? 
 
Would your spouse try and keep the family together, but would resent you for leaving with no thought of future? 
 
These should be questions you are thinking about. You need to take the responsibility on board and make sure you know what you would leave behind. 
 
Contrary to the ‘English way’, people don’t just ‘get over it’ and move on. 
 
They all rely on you. Do not take that lightly. 
 
All of this can be cushioned and made to ease the suffering. 
 
All of this can be helped by you before anything happens. 
 
Insure yourself, make sure they have a house, they have an income, they have someone to talk to, their current living conditions are the same so at least they have a constant. 
 
Give them a future when yours is taken away. 
 
A review is free. Ask yourself, what is stopping you apart from blind stubbornness. 
 
Get in touch, start the ball rolling and find out what your chances are when you talk to a proper adviser. Contact me, Austyn Johnson, on 07500 871 209 or email me at austyn@hdconsultants.net. 
Tagged as: debt, insurance
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H D Consultants. Contact details here Broker Log In / BrokerCentre here 
 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is an Appointed Representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants accepts no responsibility for the content of these sites.. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
FP Ref: 1425988 / 28.01.2021 
Long established, recognised and national nominees and award winners for our professional mortgage services; 
H D Consultants chosen Charity of the Year 2020 Essex and Herts Air Ambulance is a truly deserving, life saving team of people who rely on donations and (non-government) funded financial assistance. Join us in supporting EHAAT and helping them to continue to provide their service. https://www.justgiving.com/fundraising/hdconsultants-essexandhertsairambulance-2020 
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