We have access to the whole of market for protection products. We can therefore arrange a bespoke package to suit your needs.

Life Insurance

This does what it says on the tin. If you die, the policy pays out. The cover can be arranged in a number of different ways:

Decreasing cover - the lump sum will decrease in line with your mortgage balance

Level cover - the lump sum will remain the same throughout the life of the policy

Increasing cover - the lump sum will increase each year, for example, with RPI (other options available)

Family income benefit - this pays out an agreed lump sum in instalments, designed to help fund a survivor’s lifestyle.

Critical Illness Cover

Critical illness cover is a type of insurance that pays out a tax-free lump sum if you're diagnosed with, or undergo surgery for, a critical illness that meets policy definitions during the policy term. It's designed to help support you and your family financially while you deal with your diagnosis — so you can focus on your recovery without worrying about how the bills will be paid. There are a lot of variations to this policy and what we recommend will depend on your personal circumstances (ie children's cover, total permanent disability cover etc) so it’s really important to have a conversation with our experts.

Income Protection

Another product that does what it says on the tin – it replaces your income in the event of you being unable to work due to accident or illness. As there are a wide range of products available, we will discuss your financial situation to establish the most suitable policy for you.

Looking For A Mortgage?

Explore the range of mortgage options on offer which cover a wide variety of property financing circumstances. Get started today in securing a property of your own!

Buildings Insurance

Your mortgage lender will likely insist that you need this if purchasing a property. We can help you arrange the most suitable policy for you and your property.


It is not a legal requirement to protect your mortgage in the event of you passing away, or suffering a critical illness. However, we have a duty to ensure that you have considered the impact and responsibility to you and/or your family should these things happen.

In some respects, there is not always an insurance need. However, we would always recommend having a conversation with our experts to establish whether there is a need and how to protect it.

Most providers allow you to specify who you would like life policy proceeds to go to, in the form of a Trust. More information about Trusts can be provided by one of our experts. The proceeds of a critical illness / income protection pay-out will go to the policy holder. Trusts are not regulated by the Financial Conduct Authority.

Absolutely not, policies can be cancelled or amended at any time. But if you were to take out a new policy in the future, your age and any medical disclosures may significantly increase the cost of cover. It is therefore recommended that an affordable package is agreed upon at inception, minimising the chances of this situation becoming a reality. Our experts will review your insurance needs regularly as policy conditions are constantly evolving.