
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.