Protection that keeps the roof on

A mortgage is a thirty year promise. Protection is what keeps that promise if illness, injury or worse gets in the way. We explain it plainly and we never oversell it.

Book a callback Call 07788 580 360

Cover we arrange

Six types of cover, explained without the jargon

You almost certainly do not need all of these. Most households need two or three. We work out which, and what you can comfortably afford.

Income protection

Cover your monthly income

Life insurance

A lump sum for your family

Over-50s life insurance

Straightforward cover over 50

Critical illness cover

A payout if you fall seriously ill

Buildings & contents

Protect your home and belongings

Whole-of-life cover

Lifelong cover and estate planning

Why it matters

The gap most people do not know they have

Statutory sick pay in the UK runs to a fraction of most mortgage payments, and many employers stop full pay well before a long illness ends. Protection fills that gap.

We start with what you already haveEmployer death in service, sick pay and any existing policies come first. Often you need less than you think.
Cover sized to the mortgageThe point is keeping the house. We size the cover around the balance and the term, not around a sales target.
Advice costs you nothingProtection recommendations are free to you. The insurer pays us a commission when a policy starts.
Written in trust where it helpsLife cover written in trust usually pays out faster and can sit outside your estate for inheritance tax.

Good to know

Protection questions

Do I have to take protection through you?

No, never. Protection is entirely your choice and your mortgage does not depend on it. We will always tell you what we think the risk is, then leave the decision with you.

Is it cheaper to go direct to the insurer?

Generally not. The premium is the same either way because commission is built into the product. What differs is that an adviser checks the small print, the definitions and the underwriting.

What if I have a health condition?

Tell us early. Most conditions are insurable, sometimes at a normal price. Being upfront at the start avoids a claim being declined later, which is the outcome nobody wants.

Can I change the cover later?

Yes. Most policies can be reduced, and many can be increased after big life events like a new mortgage or a baby without fresh medical questions. We review yours at each remortgage.

Important. Cover is subject to underwriting, the policy terms and the exclusions that apply. If you stop paying premiums the cover will end.

Let's talk

Let us size the cover properly

A short, friendly chat is all it takes to see what you could save. No jargon, no pressure, just clear advice.

Book a callback Call 07788 580 360