Protection Insurance Advice
Protecting your family matters. We'll help you find the right life insurance, critical illness, or income protection cover for your situation.
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A mortgage is one of the biggest financial commitments you'll ever make. Protection insurance makes sure that if life changes unexpectedly, the people who matter to you most aren't left to deal with it alone.
Most people understand they probably need cover, but the world of protection can feel overwhelming. Life insurance, critical illness cover, income protection. Different policies, different providers, different prices. It's easy to either skip it entirely or end up paying for cover you don't need.
We make it simple.
We talk through your situation, work out what cover actually makes sense for you, and find the right policy at the right price. That might mean life insurance to clear the mortgage if the worst happens. It might mean critical illness cover to give you a financial cushion if you're diagnosed with a serious illness. It might mean income protection to keep money coming in if you can't work.
We'll explain everything in plain English, recommend what we'd take ourselves, and only suggest cover you actually need.
How we help
We tell you what cover you actually need.
Not everyone needs every type of policy. We'll talk through your situation and recommend cover that fits your circumstances and budget.
We compare the whole market.
Protection premiums and policy terms vary significantly between providers. We'll find the right cover at the right price.
We make it easy to understand.
Life insurance, critical illness, income protection. We'll explain what each one does, when it pays out, and which combinations make sense for your situation.
We handle the application.
Protection applications often include health and lifestyle questions. We'll guide you through them, work with the insurer, and make sure your policy is set up properly.
Common questions
It's not a legal requirement, but most people with a mortgage benefit from at least life insurance. If something happens to you, life cover can clear the mortgage so your family isn't left with the debt. We'll talk through what makes sense for your specific situation.
Life insurance pays out if you die during the term of the policy. Critical illness cover pays out if you're diagnosed with one of a list of specified serious illnesses, such as cancer, heart attack, or stroke. Many people take both, often combined into one policy.
Income protection pays you a monthly income if you can't work due to illness or injury. It's particularly worth considering if you're self-employed, have limited sick pay, or rely heavily on your income to cover essential bills.
A common starting point is enough to clear the mortgage. Many people also factor in additional cover to support their family with everyday costs. We'll help you work out the right amount based on your situation.
It varies significantly based on your age, health, lifestyle, and the level of cover you choose. For many clients, life insurance costs less than a coffee per week. We'll find the right balance between cover and affordability.
Most policies are based on a health questionnaire rather than a medical exam, but some insurers may request additional information or a medical depending on your age and the level of cover you're applying for. We'll let you know exactly what to expect.
In most cases, yes. Different insurers take different views on pre-existing conditions. Some will exclude the specific condition, some will charge a higher premium, and others will offer standard terms. We'll find insurers who'll work with your situation.
A broker can compare the whole market, which means significantly better cover and pricing than going to a single provider. Banks usually only offer their own protection products, which often aren't the best value.
Let's get your protection sorted.
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