Protection & insurance · Adviser introductions

Explore your protection options

Life insurance, critical illness cover, income protection and wills. We'll connect you with a protection adviser who can talk you through what may suit your mortgage and your family.

See What You Could Save →Call us

No obligation · Free service

Types of cover

Free

Callback

✓

Tailored adviser introduction

Adviser-led

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 significantly less than most mortgage payments. A protection adviser can explain how income protection might fit into your plans.

The Protection Gap (illustrative)

Example mortgage payment£1,200/mo

Statutory Sick Pay (illustrative)~£116/week

Illustrative monthly shortfall~£740/mo

Income protection

Cost varies

Premiums depend on age, health, occupation and cover level. An adviser can compare policies for you.

What an adviser can talk through

Protection options for your family

Life Insurance

Pays a lump sum if the worst happens during the policy term — an adviser can explain options.

Critical Illness

Pays a tax-free lump sum if you’re diagnosed with a specified serious illness, subject to policy terms.

Income Protection

Replaces a portion of your income if you can’t work due to illness or injury, subject to policy terms.

Wills & Estate

An adviser can point you to ways to ensure your assets pass to the right people.

The process

How an introduction works

Tell us your situation

Share a few details about your mortgage and family.

No obligation

An adviser compares the market

An FCA authorised protection adviser compares policies across providers.

Adviser-led

Your adviser calls you back

A regulated adviser explains the options that may suit you.

No pressure

Set up cover, if it suits

If you choose to proceed, your adviser arranges the policy with the chosen provider.

Adviser-arranged

Common questions

Protection & insurance FAQs

It's not legally required by your lender, but many homeowners consider protection because mortgage payments don't stop if illness or injury prevents you working. A protection adviser can talk you through the options.

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. An adviser can explain how they work for your situation.

Cost depends on your age, health, occupation and the level of cover. An adviser compares policies across providers and explains the trade-offs before you commit. They will disclose any fees in writing in advance.

Many insurers will consider applicants with pre-existing conditions, though terms vary. An adviser knows which insurers tend to be more flexible for different conditions.

It is widely recommended. Without a valid will, your property may not pass to the people you intend — particularly important for unmarried couples. An adviser can point you to options for arranging one.

Many people consider protection at the same time as their mortgage so cover is in place from day one. An adviser will discuss protection alongside any mortgage advice.