Protection for YOU.Protect What Matters with Expert Protection AdviceProtectionFor YouProtect What Matters withExpert Protection Advice

What is it? Mortgage Life Insurance is designed to pay off your remaining mortgage balance if you pass away during the policy term. It keeps your family in the home without taking on the debt.

The “Decreasing” difference: Most homeowners choose Decreasing Term Assurance. As you pay off your mortgage, the amount owed drops, so the cover reduces in line with it.

• Why it’s smart: Because the payout falls over time, premiums are typically lower than Level Term cover.
• Guaranteed vs. reviewable: We typically recommend guaranteed premiums. The price is locked for the term, whereas reviewable premiums can rise as you get older.

Key takeaway: A cost effective way to ringfence the roof over your family’s head.

What is it? While standard life insurance pays out if you die, Critical Illness cover pays a tax free lump sum if you survive a serious diagnosis defined in your policy.

Why do you need it? Statistically, you are much more likely to suffer a serious illness before retirement than to pass away.

• How it helps: Use the lump sum to clear the mortgage, cover bills while you recover, or pay for private medical treatment.
• The “Severity” factor: Not every diagnosis results in a full payout. Policies often have severity based criteria. We explain what is and is not covered before you sign.

Key takeaway: Financial breathing room when your focus needs to be on your health.

What is it? If you are unable to work due to illness or injury, Income Protection pays a monthly income (typically 50–70% of earnings) until you are well enough to return.

The “State Gap” reality: Statutory Sick Pay is minimal, and for the self employed, ESA is around £90.50 per week for those over 25.

• Deferral periods: Lower your premium by choosing a longer waiting period (for example 4, 8, or 13 weeks) before payout.
• Own occupation: We aim for “own occupation” cover, which pays out if you cannot do your specific job.

Key takeaway: Savings run out. Income Protection keeps paying as long as you need it.

What is it? Private Medical Insurance funds private healthcare treatment for acute conditions. It works alongside the NHS, not against it.

The real benefits:

• Speed: Bypass long queues for diagnosis and surgery.
• Control: Choose your consultant and hospital to fit your schedule.
• Privacy: Many policies include a private room with an ensuite.
• What it covers: Usually surgery, scans, and specialist consultations, not chronic conditions or A&E visits.

Key takeaway: Faster treatment and a smoother recovery experience.