Protection
Protect your family’s future and your mortgage with our trusted solutions. The most suitable products provide financial security and peace of mind, are customised to your needs, and help ensure your loved ones are supported when it matters most.
Discover Our Protection Solutions
Most of our clients look to protect themselves in one or more of the following ways, continue scrolling to find out more.
Life Insurance
Secure your loved ones’ financial future with comprehensive coverage.
Income Protection
Maintain your lifestyle if illness or injury affects your earnings.
Critical Illness Cover
Receive support when diagnosed with serious health conditions.
Building & Contents Insurance
Protect your property and valuables against unexpected events.
Life Insurance
A lump sum insurance policy intended to fully repay your mortgage if you pass away during the policy term, typically aligned with the mortgage term although whole of life options are available. Note that life insurance plans typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse.
Life insurance is not legally required to obtain a mortgage, but we highly recommend that you consider securing it.
A mortgage is likely to be the most significant financial commitment you will ever make in your lifetime, so it absolutely makes sense to take steps to protect it.
It provides financial security for your loved ones, helping to ensure that the mortgage can be paid off if you were to die.
We insure our mobile phones, our pets, our cars, but too often we have inadequate protection for ourselves or our families.
Income Protection
An insurance policy that offers income protection if you are unable to work due to accident or illness. It usually pays a portion of your regular monthly income after an initial waiting period. Benefits are generally paid until the policy term ends, you retire, or pass away, though coverage can be tailored for a shorter duration to lower the cost.
By planning for the unexpected, you can help reduce anxiety, help ensure your mortgage is paid, protect your family, and have funds available for everyday living expenses.
Understanding your employer’s sick pay provisions is essential for choosing the most suitable income protection policy.
Have you recently received a promotion or changed jobs? Many people overlook the importance of reviewing their existing insurance policies when these changes happen.
Income protection helps safeguard your financial obligations—not just your mortgage—if an unexpected health issue temporarily prevents you from earning an income.
Critical Illness Cover
An insurance policy that provides a lump sum payment upon diagnosis of one of a specified list of illnesses. This payout can be used to pay off any outstanding mortgage debt and/or offer financial support to you and your dependents.
If premiums stop, then cover will lapse. Cover is subject to terms and conditions and may have exclusions. Definitions of illnesses vary from product provider and will be explained within the policy documentation.
The stats now show 1 in 2 people will get cancer in their life*. It’s hard to think about, but critical illness insurance is a smart and easy way to protect your family.
Source: Cancer Research UK
It provides a tax-free, one-off payment if you are diagnosed with a serious medical condition covered by the policy. This can be used for a wide range of expenses.
The money can help alleviate the financial pressure that often comes with a severe illness, allowing you to focus on your recovery.
You are free to use a payout however you see fit to best support your needs, whether that’s paying off debt, taking time off work, or covering everyday living expenses.
Building and Contents Insurance
This insurance provides financial protection by covering the cost of repairing damage caused by unexpected events such as fire, flooding, storms, or other natural disasters. This type of insurance helps to ensure that both the lender’s assets and your own property are protected in case of unforeseen circumstances. While buildings insurance is typically required as a minimum condition to be accepted for a mortgage, we strongly recommend that you also take out the contents insurance to cover your personal belongings inside your home, giving you comprehensive peace of mind.
A properly arranged contents policy helps to ensure you won’t have to pay out of pocket to replace items such as furniture, clothing, electronics, and jewelry.
Other insurances
We can assist you in arranging various other insurance policies. This list is not exhaustive, so please feel free to reach out to see if we can help with your specific needs.
Landlords Insurance
Protection for rental property owners covering buildings, contents, and tenant‑related risks.
Commercial Insurance
Protection for business premises against damage, loss, and unexpected commercial risks.
Private Medical Insurance
Private healthcare cover giving faster access to private treatment and other options when you need it.
Still have questions?
Finding clear answers to your protection product queries and helping you make informed decisions swiftly is something we can support you with. Have questions such as below? Get in touch.
How much is mortgage protection?
This depends on several factors, like age, cover amount, and your health history. It’s best to seek advice.
What is the most suitable mortgage protection cover for me?
Each person’s situation is different from what’s important to what you’re already cover for. Get in touch to have a discussion.
Can you be refused mortgage protection?
Yes you can. Speaking to an adviser like ourselves can ensure we explore the most suitable options based on your circumstances.
When should you get these insurances arranged?
There is no right time but we would suggest at the same time as your mortgage. That said, your insurance needs and circumstances can be reviewed at any time.
Protect Your Future Today
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