Protecting the people who depend on you
A mortgage is often the biggest financial commitment of your life. Life insurance ensures that if the worst happens, your family is not left with a debt they cannot manage.
Should you fail to disclose or misrepresent a fact, then you risk the insurer only paying part of a claim, declining to pay all the claim possibly, declaring the policy invalid.
What is life insurance?
Simple, honest protection advice
Life insurance pays a lump sum or regular income to your dependants if you die during the policy term. For most people with a mortgage and a family, some form of life cover is not optional — it is essential.
The right type of policy depends on what you are trying to protect — your mortgage balance, your family's income, or both. As protection advisers, we search a comprehensive range of lenders to find cover that fits your needs and your budget, and we explain everything in plain English before you commit to anything.
Unlike comparison websites, we take the time to understand your full situation — health history, lifestyle, occupation — before making a recommendation. The cheapest policy is not always the right one.
Types of life cover we advise on
- Decreasing term (mortgage protection) — reduces with your mortgage balance
- Level term — fixed payout throughout the policy term
- Family income benefit — pays a monthly income rather than a lump sum
- Whole of life — covers you for your entire lifetime
- Joint life — covers two people on a single policy
- Life insurance with critical illness — combined cover
- Business protection — key person cover, relevant life
- Over 50s plans — guaranteed acceptance cover
Why choose us
Protection advice done properly
Comprehensive lender panel
We compare protection products from across a comprehensive range of lenders — dozens of insurers — not just the ones on price comparison sites. Different insurers rate different health conditions very differently, so the right search matters.
Medical history considered
We discuss your health and lifestyle upfront, so we can match you to insurers who are most likely to offer standard terms — rather than recommending a policy that comes back with exclusions or loadings you were not expecting.
Ongoing review
Your protection needs change over time — as your mortgage reduces, your family grows, or your income changes. We review your cover regularly to make sure it still does the job you need it to.
Common questions
Life insurance FAQs
Straightforward answers to the questions we hear most often.
Lenders do not legally require you to take out life insurance alongside your mortgage, but it is strongly advisable if you have dependants. Without it, your family could be left unable to meet the mortgage payments if you died — potentially losing their home. We treat a life cover conversation as a standard part of any mortgage review.
Decreasing term insurance reduces in line with a repayment mortgage — the payout shrinks over time as your outstanding balance reduces. It is typically cheaper than level term, which pays the same fixed amount throughout the policy. Level term is useful if you want to leave a lump sum above and beyond just clearing the mortgage.
It depends on the condition, its severity, and how recently it was diagnosed or treated. Some conditions are rated (meaning a higher premium), some result in specific exclusions, and some have no impact at all. We discuss this with you before approaching insurers — so you know what to expect before any application is made.
Premiums vary significantly based on your age, health, lifestyle (particularly smoking status), the amount of cover, and the policy term. A healthy non-smoker in their thirties can often get meaningful cover for a relatively modest monthly amount — but we provide personalised quotes rather than estimates, as individual circumstances vary too much for a generic answer to be useful.
Protection that actually protects
A no-obligation review of your protection needs — we find the right cover at the right price.
Initial consultations are completely free of charge. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and will be agreed with you before proceeding but will range from £150 to £500 and this will be discussed and agreed with you at the earliest opportunity.