Life cover
Pays a lump sum if you pass away during the term. Usually written to match the mortgage, and set in trust so it pays without waiting for probate.
Life cover
Protection
A mortgage is a promise. Protection is how it is kept.
Life cover, critical illness and income protection — sized against what you owe and what you earn, with what each policy does and does not pay explained before you buy it.
No client fee · No obligation
The four covers that matter most
Each has its own pageCritical illness cover
Pays a lump sum on one of the conditions the policy lists, at the severity it defines. Those definitions differ sharply between insurers.
Critical illnessIncome protection
Pays a monthly income if illness or injury stops you working, after a waiting period you choose. The most used, and the most often missed.
Income protectionFamily income benefit
Pays a regular sum to your family rather than one lump. Often the most affordable way to cover children to the age they leave home.
Family income benefitWe also arrange private medical insurance and buildings, contents and landlord cover — your lender will require buildings insurance in place for completion day.
How we decide how much
Three questionsWhat you owe
The mortgage balance and the years left on it. This sets the floor — not the answer.
Life coverWhat you earn
Your sick pay, how long it runs, and what the household actually needs each month once it stops.
Income protectionWhat would change
Childcare, a partner dropping hours, school years left. Cover is built around the gap, then trimmed to a premium you will keep paying.
Family income benefitA policy you cancel in eighteen months protects nobody. We would rather recommend cover you can afford for twenty-five years than the largest figure the calculator allows.
A policy you cancel in eighteen months protects nobody.
What insurance will not do
Said before you buy, not afterIt will not cover what you did not declare
Medical questions must be answered fully and accurately, including things you think are trivial or old. An insurer that finds an undisclosed condition at claim stage can decline.
It will not pay for every illness
Critical illness policies pay on listed conditions meeting stated definitions. Two policies at the same price can differ greatly in what they list.
It will not pay immediately
Income protection starts paying after a deferred period, chosen to begin where your employer’s sick pay ends. Choosing it badly is the most common reason a good policy disappoints.
Straight answers
Asked every weekDo I have to take cover through you?
No. Protection is never a condition of the mortgage advice, and your mortgage recommendation does not change if you decline it.
Is my employer’s cover enough?
Sometimes. Death in service is often four times salary and ends the day you leave the job. We look at what you already have before recommending anything new.
I already have a policy from years ago.
Then we review it rather than replace it. An older policy can be better than anything on sale today, and we will tell you if yours is.
Will a health condition stop me being covered?
Often not. Insurers may apply an exclusion or a higher premium rather than decline. Which insurer you approach first matters, and that is where advice earns its place.
How much does it cost?
Premiums depend on age, health, smoking status, the cover type and the amount. We will show you two or three real quotes rather than a headline figure.
What happens if I need to claim?
You call the insurer, and you can call us. We will help you and your family through the claim process, even years after the policy was set up. The decision on any claim is the insurer’s, not ours.
Insurance policies are subject to eligibility, underwriting, terms, conditions and exclusions. Benefits may not be paid in all circumstances.
How we are paid. We act on your behalf, not the insurer’s. You pay us no fee; we are paid commission by the insurer when a policy starts, and that commission does not vary by which insurer you choose. You can ask us what it is at any point before you decide.
Twenty minutes now, or a difficult year later.
We will look at what you already hold first. If it is enough, we will say so.
Where to next
Chosen for this pagePROTECTION
Life cover
A lump sum if the worst happened during the term, usually written to match the mortgage.
Read this next PROTECTIONIncome protection
A monthly income if illness or injury stops you working. Not tied to a list of conditions.
Read this next GUIDEWhat actually happens when you claim
The part nobody reads until they need it, and why disclosure decides it.
Read this nextSwipe across to move between pages