🛡️ Protection Advice
Life happens. Let’s make sure you and your loved ones are covered.
Whether you’re buying a home, raising a family, or simply planning ahead, protection advice can ensure that your finances stay secure — whatever the future holds.
We’ll introduce you to an expert who can help you get the cover you actually need, without paying over the odds.
🧠 What is Mortgage Protection Insurance?
Mortgage protection insurance is designed to help cover your mortgage payments if something unexpected happens — like illness, injury, or death.
There are three main types of protection to consider:
Life Insurance – pays off the mortgage if you pass away
Critical Illness Cover – pays a lump sum if you’re diagnosed with a serious condition
Income Protection – replaces your income if you’re unable to work due to illness or injury
🤔 Do You Need It?
It’s not a legal requirement, but mortgage protection is highly recommended — especially if:
You have dependents
You’re the main earner
You don’t have sick pay through work
You’d struggle to cover payments without your full income
A protection advisor will help you work out what’s worth covering and what’s optional.
👥 What Type of Cover is Best for You?
There’s no one-size-fits-all policy. The right mix depends on:
Your mortgage balance and term
Your income and job security
Whether you’re employed, self-employed, or a contractor
Your family and financial commitments
Any existing policies or employer benefits
You’ll get tailored advice on what cover to consider — and what you can leave out.
📉 Is It Expensive?
Not necessarily. Many people overestimate the cost of protection.
Life cover can start from as little as £5–10 per month
Income protection varies depending on your job and health
Critical illness cover is usually more expensive, but not always necessary
Your advisor will shop around to find competitive deals that suit your budget.
📞 Speak to a Protection Specialist
✅ Review your circumstances
✅ Compare life, critical illness, and income protection policies
✅ Give you jargon-free, obligation-free advice
❓ FAQs
Is mortgage protection the same as life insurance?
Not exactly. Mortgage protection is a type of life cover designed to clear your mortgage balance if you pass away during the term.
What if I already have cover through work?
Great — but it may not be enough. Work benefits usually stop if you leave the job, and they might not fully cover your mortgage or other needs.
What does income protection cover?
It pays a monthly income (usually up to 65% of your salary) if you’re unable to work due to illness or injury. It kicks in after a deferral period and lasts until you return to work or reach retirement.
Do I need all three types of cover?
Not necessarily. Your advisor will help you prioritise based on your risk, budget, and goals.