Insurance and Protection Advice

Are you Protected?

Protect what matters most to you. Let us help you find a policy that suits your needs.

What is protection

Protection refers to a range of insurance policies designed to safeguard you and your family against life’s unexpected challenges.

As your life evolves—whether you're moving to a new home, starting a job, or growing your family—your protection needs will also change. That’s why it’s crucial to regularly reassess your coverage. A new mortgage presents the perfect opportunity to ensure you have the right protection in place.

Wealth planning for you and your family

Preservation of wealth is a priority for many of our clients, be that by investing to beat inflation, reducing the amount of tax you are liable for or putting in place insurance to protect against the unexpected.

Our investment and wealth planning experts can work together to provide a uniquely tailored approach to helping your family protect your wealth. 

Get in touch

If you have any questions or would like to get in touch, submit a callback request below and we will contact you as soon as possible.

Make an enquiry

Call us on...

0121 704 4768


Is Life Insurance Necessary for a Mortgage?

While life insurance isn’t legally required to secure a mortgage, we highly recommend considering it. Your mortgage is likely the largest financial commitment you’ll make, so safeguarding it is crucial—especially if you have loved ones who depend on your income to cover the payments.

The only insurance legally required for a mortgage is buildings insurance, but life insurance adds an important layer of protection, ensuring your family can maintain their home even if the unexpected happens. Protect what matters most.

Types of Insurance

  • Ensure your loved ones are financially secure by providing a lump sum payout in the event of your death, helping them cover the mortgage and other essential expenses.

  • Safeguard your income if you’re unable to work due to illness or injury. This policy provides regular payments to help you maintain your lifestyle and meet financial obligations.

  • Cover your mortgage payments if you’re unable to work due to accident and illness. This policy ensures you can keep up with repayments, reducing the risk of losing your home.

  • Receive a tax-free lump sum if you’re diagnosed with a specified critical illness. This can help with medical costs, mortgage payments, or other expenses during a difficult time.

  • Protect your home and everything in it. Buildings insurance covers the structure of your property, while contents insurance protects your belongings against risks like theft, fire, and damage.

  • Designed for those moving home, this insurance covers unforeseen expenses and protects your finances during the transition, offering peace of mind throughout the moving process.

  • Trusted Advice I can't recommend the Atwal Wealth team highly enough. As my go to financial advisory team for the past 7/8 years, Harpreet and Suki have provided me with exemplary service and thoughtful financial guidance. Harpreet takes the time to truly understand his clients' unique situations and goals. When I first started working with him, he spent several appointments getting to know my financial history, risk tolerance, timeline for major life events, and overall objectives. This allowed him to develop a customized financial plan that fitted my needs and priorities perfectly. Throughout our relationship, Harpreet and his team have always been responsive, patient and happy to answer all of my questions - no matter how small or frequently I contact them. He never makes me feel rushed or like I'm bothering him. He regularly reviews my portfolio and financial plan to adjust for changes in my life or the market. He is proactive about suggesting smart investments and strategies to help me work toward my goals. Overall, I could not be happier with the service Atwal Wealth provides. I would recommend Atwal Wealth to anyone looking for a knowledgeable, personable advisory service they can trust.

    Vishmin Sharma

    Trustpilot Review

  • Amazing team on hand to help. The team have been a great help giving us financial and life advice. They have sourced the best mortgage deals for our growing portfolio and family home. Highly recommended.

    Khush Singh

    Trustpilot Review

  • Bespoke advice I have worked with Atwal Wealth for 18 months now and the experience has been hugely positive. I have been really well supported through some big financial decisions. Harpreet and the team take the time to really understand you, your individual circumstances and you life and financial goals. Haprpeet pulls in the wider team with the relevant knowledge and expertise to build a resource that works together to meet your needs. We had opportunities to discuss different scenarios in order for me to make informed decisions. And in life, things crop up that you don't expect and Harpreet and the team always respond in a timet way.

    Nadia Barakat

    TrustPilot Review

  • As first time buyers As first time buyers, a lot of friends had said to me and my partner that buying a house is the most stressful thing you’ll ever do… I cannot relate. Hardeep and McKenzie took the stress away from us completely, so much so, I couldn’t believe when our mortgage offer had actually been approved by the lender as the process had all seemed to seamless. They stayed in regular contact, and created a WhatsApp group so we could ask any questions throughout and had regular meetings and zoom calls with us to keep us completely up to date throughout. I’d recommend these guys 100% for any house buyers at any stage of the process. House buying made easy.

    Hugh Mclelland

    Trustpilot Review

  • Financial Advisors Excellent service and experience from Atwal Wealth Management, Harpreet took ownership of my situation and worked through it in great detail, giving me confidence from the outset. The team dealt with everything fantastically leaving me to focus on my work and family, great flexible communication by video call, email, phone or messaging apps and fast to respond. A really great and personal experience with genuine and useful financial advice, many thanks to Harpreet and team.

    John Vickery

    Bark Review

  • Very patient and understanding, supporting my sister and I in a long and difficult process. Feels like they do genuinely care about their clients. I would definitely recommend

    Leeanne Crook

    Bark Review

  • Harpreet had been excellent with helping my family with savings and pensions, would highly recommend him and his team

    Abbir

    Bark Review

  • First time buyers Would like to say a massive thankyou to Harpreet and McKenzie for making the process of buying our first house stress free! They kept us up to date with every stage & having a group chat made it to easy to ask any questions along the way! Would 100% recommend. Thankyou

    Megan

    Trustpilot Review