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Protection

Secure Your Family's Financial Future

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Why choose us for family protection...

Your family’s financial security is our priority. We offer comprehensive market comparisons to help you find the most suitable protection for your loved ones—whether that’s life insurance, critical illness cover, or income protection. Our advice is completely fee-free, and we take the time to understand your individual circumstances, so we can recommend tailored solutions that provide real peace of mind.

We pride ourselves on offering clear, jargon-free guidance every step of the way, making it easy to understand your options and feel confident in your decisions. And our support doesn’t end once your policy is in place—we’re here for you with ongoing advice and reviews, helping to ensure your protection keeps pace with life as it changes.

Your family protection journey...

Free protection review:

  • Understand your family needs
  • Assess current coverage
  • Review your budget

We conduct expert research:

  • Compare market options-
  • Find best value cover
  • Explain recommendations

We offer complete support:

  • Handle applications
  • Manage medical questions
  • Ongoing service

Ready to take the next step? Get in touch with us today.

Our advisers are always available for a chat, get in touch to get started with your mortgage and protection needs.

Understanding your family protection options

Learn more about the different protection options available to help protect your family, if the worst were to happen.

Life Insurance

What it is:

  • Financial protection that pays out a lump sum if you pass away
  • Choice of level or decreasing cover
  • Option for joint or single policies

 

How it works:

  • Select your cover amount and term
  • Pay monthly premiums
  • Tax-free lump sum paid to your family if you pass away
  • Can be placed in trust for tax efficiency

Critical Illness Cover:

What it is:

  • Financial protection if you’re diagnosed with a specified serious illness
  • Covers conditions like cancer, heart attack, and stroke
  • Can be combined with life insurance

How it works:

  • Choose your cover amount and term
  • Receive tax-free lump sum on diagnosis
  • Use the money for medical care, bills, or lifestyle changes
  • Some policies include children’s critical illness cover

Income Protection:

What it is:

  • Regular monthly income if you can’t work due to illness or injury
  • Covers a percentage of your salary
  • Available for employed and self-employed

 

How it works:

  • Select monthly benefit amount (typically up to 65% of income)
  • Choose your deferred period (how long before payments start)
  • Receive regular payments until you can return to work
  • Some policies include rehabilitation support

Family Income Benefit

What it is:

  • Regular monthly payments to your family if you pass away
  • Alternative to traditional lump sum life insurance
  • Can be more affordable than equivalent lump sum cover

How it works:

  • Choose monthly benefit amount and term
  • If you pass away, family receives regular monthly income
  • Payments continue until the end of the policy term
  • Helps maintain family’s standard of living

Enhanced protection options

With protection policies you can also opt for additional features, these are special addons to your policy.

Terminal Illness Cover

  • Included with most life policies
  • Early payout if diagnosed with terminal illness
  • Typically where life expectancy is 12 months or less

Waiver of Premium

  • Optional addition to any policy
  • Covers your monthly premiums if you can’t work
  • Keeps your protection in place during difficult times

Guaranteed Insurability Options

  • Increase cover without medical questions
  • Available at key life events (marriage, children, mortgage)
  • Maintains protection as your needs grow

Explore our tools to help you plan

Ready to take the next step? Download one of our useful guides to explore how we can help your specific situation. Or use our repayment or affordability calculators to help budget.

Our protection advice is provided free of charge. We receive commission from the insurance provider when you take out a policy

We offer products from a comprehensive range of insurers across the market, ensuring you get the most suitable cover for your family’s needs.

The amount of cover depends on your family’s circumstances, including:

  • Outstanding debts
  • Regular living expenses
  • Future education costs
  • Childcare expenses

We’ll help calculate the right level of protection for your situation.

Most policies can be arranged within 2-4 weeks. Simple life insurance can be quicker, while policies requiring medical information may take longer.

We recommend regular reviews of your protection needs as your family circumstances change, ensuring your cover remains appropriate.

Ready to get protected?

"I have had a number of dealings with Michael regarding financial matters, in particular with regard to mortgages. On each occasion, he has been thoroughly professional, reliable and informative. His assistance has helped save our family a substantial amount of money. I would not hesitate to recommend his services to anyone."

Ready to get protected?

Find out why we’re different and experience a new level of tailored mortgage and protection advice. Book a free consultation today.