Protection · Insurance

Protect what matters most

Life insurance, critical illness cover, income protection and wills — all tailored to your mortgage and your family.

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No-obligation consultation · FCA regulated

Types of Cover

FCA

Regulated

100%

Tailored

Expert protection

The reality

What happens if you can't work?

If illness or injury stops you working, your mortgage payments don't stop. Statutory Sick Pay is just £116 per week — far less than most mortgage payments. Income protection bridges this gap for a fraction of the cost.

The Protection Gap

Your mortgage payment£1,200/mo

Statutory Sick Pay£116/week

Monthly shortfall£740/mo

Income protection

From just £15/mo

covers your mortgage if you can't work

What we cover

Comprehensive protection for your family

Life Insurance

Pays off your mortgage or provides a lump sum for your family if the worst happens.

Critical Illness

A tax-free lump sum if you're diagnosed with a serious illness like cancer or heart attack.

Income Protection

Replaces your income if you're unable to work due to illness or injury.

Wills & Estate

Ensure your property and assets go to the right people. Essential for homeowners.

The process

How we arrange your protection

Understand your needs

We discuss your mortgage, family situation and existing cover.

No obligation

Compare providers

We search across leading insurers to find the best cover at the best price.

Whole-of-market

Tailored recommendation

Your advisor recommends the right level and type of cover for your situation.

Expert advice

Set up your cover

We handle the application and ensure your policy is active from day one.

We handle it

Common questions

Protection & insurance FAQs

While not legally required by your lender, mortgage protection is strongly recommended. If you were unable to work due to illness or injury, your mortgage payments wouldn't stop. Protection ensures your family stays in their home no matter what happens.

Life insurance pays out a lump sum if you pass away during the policy term. Critical illness cover pays out if you're diagnosed with a specified serious illness (such as cancer, heart attack, or stroke). Many people choose to combine both for comprehensive protection.

Income protection can start from as little as £15 per month, depending on your age, health, occupation and the level of cover you need. We'll compare policies across multiple providers to find the most cost-effective option for your circumstances.

Yes, many insurers offer cover to people with pre-existing conditions, though terms may vary. We work with specialist providers and know which insurers are most favourable for different conditions. We'll find the best option available to you.

It's highly recommended. Without a valid will, your property may not go to the people you intend. This is especially important for unmarried couples, as the surviving partner has no automatic right to the property. We can help arrange a will as part of your protection package.

Ideally, you should arrange protection at the same time as your mortgage. This ensures you're covered from day one. We discuss protection options as part of every mortgage consultation — it's included in our service at no extra cost.

Important information about protection products:

Protection insurance is optional and is not a condition of any mortgage arranged through Remigo.
All protection products are subject to the terms, conditions, and exclusions of the individual policy. Full details will be provided before you commit.
The tax treatment of protection products depends on your individual circumstances and may be subject to change in the future.
We provide advised protection recommendations tailored to your individual circumstances.
The cost and availability of cover depend on factors including your age, health, occupation, and the level of cover required.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.