What you have built,Protected.
A mortgage is usually the largest commitment a household takes on. Protection ensures that it and the people who depend on you are looked after if illness, injury or death interrupts your income. We advise on cover as part of arranging your finance, or separately.
How we help
We review any cover you already hold (including through your employer) and recommend only what fills a real gap.
A lump sum or regular payments for those who depend on you, often arranged to match the mortgage.
A payment on diagnosis of a specified serious illness, to reduce borrowing or replace income.
A regular income if you cannot work through illness or injury, particularly important for the self-employed.
Buildings insurance is a condition of most mortgages. We can arrange cover for the property and what is in it.
Typical scenarios
Illustrative examples of the situations we are asked to help with. They are not accounts of individual clients.
A couple taking on their first mortgage with no existing cover.
We look at what would happen to the mortgage payments if either could not work or died and recommend cover to suit the budget.A business owner with no employer sick pay to fall back on.
We consider income protection and how long savings would last before a policy would need to pay.A family whose cover was arranged years ago, before a larger mortgage and children.
We compare existing policies with current needs and advise whether to keep, add to or replace them.Frequently
asked questions
Is life insurance compulsory with a mortgage?
No. Lenders rarely insist on it, although buildings insurance is normally required. We recommend protection where it meets a genuine need.
What is the difference between life and critical illness cover?
Life insurance pays on death and often on diagnosis of a terminal illness. Critical illness cover pays on diagnosis of one of the conditions specified in the policy.
I have cover through work. Is that enough?
Employer benefits are valuable but usually end when you leave. We take them into account and advise on any shortfall.
Will I need a medical?
Insurers ask health and lifestyle questions and sometimes request a medical report or examination, depending on your age, health and the amount of cover.
Can I arrange insurance without a mortgage?
Yes. Protection can be arranged on its own.
Speak with us today
Tell us what you would like to protect. The first conversation is without obligation.
Protection policies have no cash-in value at any time and cover will cease at the end of the term. If premiums are not maintained, cover will lapse. Terms, conditions and exclusions apply.