Mortgage Protection
Your mortgage is probably your biggest financial commitment. Protection insurance means your family can still pay the home loan even if your income isn’t there to provide for them.
The Value of Protection Insurance
When serious illness or injury strikes your family, money becomes the last thing you should worry about. Protection insurance keeps your mortgage paid, your income flowing, and your family's future secure when they need stability most.
The cost of insurance, particularly life insurance has fallen over recent years, whilst the quality of cover has in many cases increased.
Far from being a luxury, Protection Insurance should be considered essential, especially if you have a family or people that rely on your income.
This information is for guidance only and does not constitute financial advice.
Protection insurance guide
When your family needs you most
Most people think serious illness happens to other families. The reality is that 1 in 2 people face cancer during their lifetime, and losing your income can threaten everything you’ve built together. We help families understand their protection options and find cover that actually works when it matters.
What protection insurance can do for your family:
- Keep your home by paying off your mortgage if something happens to you
- Replace your income so your family can maintain their lifestyle
- Cover childcare costs if you can’t work or aren’t there to help
- Pay for private treatment and specialist care when you need it most
- Protect your children’s education and future opportunities
- Give you time to focus on recovery instead of worrying about money
Protects your family’s future if you die, providing a tax-free lump sum to cover the mortgage, replace your income, and maintain their standard of living during an incredibly difficult time.
Pays a lump sum if you're diagnosed with specified conditions like cancer, heart attack, or stroke. Gives you financial breathing space to focus on treatment and recovery.
Replaces up to 70% of your income if illness or injury stops you working. Continues paying until you recover, return to work, reach retirement, or the policy term ends.
More affordable option providing cover for 1–2 years. Ideal if you have good employer benefits or want basic protection on a budget.
Common reasons families need protection
Childcare and Education
Children need care and education regardless of who’s around to support it. Protection ensures these needs are covered. Photo costs are covered or supplements made available.
Income Replacement
When you’re the main earner, some family depends on your salary to pay for essentials. Income protection helps cover this lost income if illness or injury stops you from working.
Peace of Mind
Protection only helps families if it’s affordable. Include this so you’re not afraid to invest – spending time together and supporting each other through any crisis matters most.
How we help
We understand that financial decisions feel heavy because they affect everything that matters to you. Our job is to make them lighter, clearer and easier.
Testimonials
Trusted by families who understand the value
We've helped hundreds of families find protection insurance that gives them confidence about their financial security.
How can we help you protect what matters most?
Tell us about your family's situation
We'll help you understand your protection needs and find cover that fits your family and budget.