Mortgage & Family Protection

We all need to be protected. What would happen if a sudden illness, disability, job loss or death occurred? We can help provide you with the peace of mind that comes with knowing you are protected if something should happen. Our panel of protection providers offers
products to cover all your needs.

Lets face it dying sucks you don’t want to think about it let alone talk about it, but unfortunately this is a problem for so many people and the reason we wanted to step in and help, as there are so many UK families that are not covered if the unthinkable happened. Now imagine losing a loved one or being told yourself that you have an illness which is horrific enough and now on top of all that lets add on all financial burden that has come with it. Now just imagine how much easier it would be if the financial burden was removed ??? We can help with all of that in one phone call let us take the worry away.

  • Life Cover

    This comes in two main forms: Level Term and Decreasing Term. Level Term will give you the same amount of cover throughout the life of the policy and pay out that amount if you make a claim. Decreasing Term will decrease over the term, usually to match your decreasing mortgage amount, and pay out the current amount when a claim is made.

  • Critical Illness Cover

    This covers you and your family against the financial impact of a specified critical illness and loss of income through sickness. It pays out a lump sum should you be diagnosed with a serious illness. The type of illnesses covered varies depending on the provider and type of policy selected with typically up to 40 major illnesses listed. Critical illness cover is also available in Level Term and Decreasing term similar to life cover.

  • Family Income Benefit

    Available on both Life and Critical Illness plans, Family Income Benefit will pay out a regular income from the time of claim until the end of the policy. For example, a claim made 5 years into a 20 year term policy would pay benefits for 15 years.

We work closely with you and carry out research to understand your needs and wishes.