Protection & insurance
Personal protection: life, income and critical illness cover
Life, income and critical illness cover, reviewed with your mortgage.
- No obligation
- Takes 2 minutes
- Speak to a real adviser
- FCA regulated
- Whole-of-market
- 90+ lenders
- Personal adviser support
The short answer
Personal protection, explained in plain English.
Written by Aditi Sinha, mortgage and protection adviser
Updated
Protection insurance pays out if you die, fall seriously ill or can’t work, helping your family keep up with the mortgage and bills. The right mix depends on your income, dependants, existing workplace benefits and budget. We review this alongside your mortgage so the cover matches what you owe.
Who this is for: Homeowners and buyers with a mortgage, dependants or a household that relies on their income.
Your options
Your adviser compares these with you and explains the trade-offs before you decide.
Life insurance
Pays a lump sum if you die during the policy term.
Critical illness cover
Pays a lump sum if you’re diagnosed with a specified serious illness.
Income protection
Pays a monthly amount if you can’t work due to illness or injury.
How it works
From first call to completion.
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01
Review your needs
Income, dependants, debts and any workplace benefits.
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02
Recommend cover
We explain what each policy does and doesn’t cover.
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03
Apply
We handle the application and any medical questions.
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04
Review later
We revisit cover when your circumstances change.
Before you start
Costs and risks to know about.
Costs to budget for
- Monthly premiums, based on age, health and cover amount
- We are paid commission by the insurer — explained before you proceed
Risks
Policies have exclusions and conditions. Cover may not pay out in every circumstance — we explain the key terms before you apply.
We explain the risks of any recommendation in writing before you proceed.
01Do I need life insurance to get a mortgage?
It’s not usually required, but it can protect your family from being left with the mortgage.
02I have cover through work — is that enough?
Possibly. We check what it pays, and whether it would stop if you changed jobs.
03What affects the premium?
Age, health, smoking, the amount of cover and how long it lasts.
Mortgage enquiry
Talk to an adviser about personal protection.
Takes about two minutes. An adviser will be in touch to talk through your options.
- 1What you need
- 2Property details
- 3Your details
- ✓Adviser follow-up
Why people enquire with us
- A named adviser and case handler look after your case
- We compare lenders across the market, not just one bank
- FCA regulated — firm reference 752191
- Phone, WhatsApp, video or at our Uxbridge office
Your details are kept secure and only used to handle your enquiry.