Protection advice
Protection that suits your needs
Life cover, critical illness cover and income protection, structured around what you actually need. We strongly recommend reviewing protection alongside any mortgage.
Protection
Keep the house. Not the debt.
A mortgage is usually the largest financial commitment a household takes on. Protection is what stops that commitment becoming a crisis if something goes wrong.
It is worth thinking about what would actually need paying for if you were not there, or not earning. The mortgage is part of it - but so is everything else the household spends money on each month.
We start from that question rather than from a product, and we look at what you already have. Employer death-in-service cover and company sick pay both change what you need to buy privately, and both usually disappear if you change jobs.
Life cover
A lump sum if you die during the policy term, or on diagnosis of a terminal illness. Where the cover matches the mortgage, the intention is that your family keeps the house rather than the debt.
Family Income Benefit
Pays a regular income to your family rather than a lump sum if you die during the term. Often more useful than a lump sum where the concern is replacing ongoing income rather than clearing a debt.
Critical illness cover
Cover varies between insurers, so it is important to consider both the policy wording and the cost of the cover.
Income protection
A monthly income if illness or injury stops you working, after a deferred period. We match it to your employer's sick pay so you are not paying for cover you would not use.
The process
A clear path to the right protection.
Protection advice, demystified. Six steps, each one handled with care.
01
Consultation
We talk through who depends on your income, what you already have in place, and what would actually need paying for if something happened
02
Review existing cover
Employer death-in-service, company sick pay, existing policies. We look at what you have before recommending anything new.
03
Research
We compare policy definitions and terms across range of insurers, not just premiums.
04
Recommendation
We set out what we recommend and why, including what it does not cover.
05
Application and underwriting
We handle the application and any medical underwriting the insurer requires.
06
Trusts and review
The FCA does not regulate Trusts and we act as introducers.
Frequently asked questions
No. Life cover is not a legal or regulatory requirement for a mortgage, though buildings insurance generally is a condition of the mortgage contract. Life cover is strongly advisable where others depend on your income, but it is your decision.
Life insurance pays out if you die during the policy term. Critical illness cover pays out if you are diagnosed with one of the specific conditions listed in the policy, while you are still living. They cover different risks and are often taken together.
Often yes, though the insurer may apply an increased premium, exclude the specific condition, or in some cases decline cover. Different insurers take different views of the same condition.
Not generally. Premiums are set by the insurer and are not usually reduced by going direct. Advice adds comparison of policy definitions and terms across insurers, which is where the meaningful differences lie.
Generally yes - a life policy is not tied to a particular property. But the amount and term may no longer match your new mortgage, so it is worth reviewing rather than assuming.