Protecting the things the mortgage pays for.
A mortgage is a long-term commitment. The right protection means that if something goes wrong — serious illness, injury, or death — your home and your family's financial position don't have to suffer for it.
Most people are underinsured
The UK has a significant protection gap. Many homeowners have no life cover, no income protection, and no critical illness policy. They rely on employer sick pay (which runs out), savings (which may not be sufficient), or state benefits (which are minimal).
We don't believe in pressuring clients into cover. But we do believe it's our job to make sure you understand what you'd be exposed to without it — and to find cover that fits your budget if you decide you want it.
Advice that fits your situation
Protection needs vary considerably based on your employment status, income, existing cover through work, dependants, and financial commitments. We look at your specific situation and advise on what actually matters — not a standard package.
We search the whole of market to find competitive premiums for the cover you need, from the insurers most likely to pay out when it matters.
Talk about your coverTypes of protection
Life Insurance
Pays a lump sum or clears the mortgage if you die during the policy term. Level term, decreasing term (mortgage protection), and whole of life options available.
Who needs it: Anyone with a mortgage or financial dependants.
Critical Illness Cover
Pays a lump sum on diagnosis of a specified serious illness — typically including cancer, heart attack, and stroke. Can be used to pay off the mortgage, fund private treatment, or replace lost income.
Who needs it: Those who couldn't maintain mortgage repayments following a serious diagnosis.
Income Protection
Replaces a portion of your income if you can't work due to illness or injury. Unlike accident, sickness and unemployment (ASU) policies, long-term income protection pays until you're able to return to work or retire.
Who needs it: Self-employed individuals and anyone without sufficient employer sick pay.
Buildings Insurance
Required by your mortgage lender. Covers the structure of your property against damage from fire, flood, subsidence, and other specified events. We can source competitive buildings insurance alongside your mortgage.
Who needs it: All homeowners with a mortgage (it's a lender requirement).
Family Income Benefit
Instead of a lump sum, this pays a regular income to your family if you die during the policy term. Often cheaper than level term life insurance and well-suited to families with young children.
Who needs it: Families where one income funds the household long-term.
Business Protection
Key person cover, shareholder protection, and relevant life policies for business owners and directors. Often overlooked, but critical for protecting business interests and ensuring continuity.
Who needs it: Business owners, company directors, and partnerships.
If you're self-employed
Employees often have sick pay, death in service, and employer pension contributions as a safety net. If you're self-employed, none of these exist unless you've arranged them yourself.
The consequence is stark: if you can't work for 3 months, a year, or longer — there is no income. For self-employed people, income protection isn't a nice-to-have. We'd argue it's essential.
We work with insurers who understand self-employed income structures and can provide appropriate cover without requiring employed-style payslip evidence.
Discuss protection optionsTell us what you're looking to protect
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