PROTECTION INSURANCE
Protection Insurance Safeguard Your Mortgage and Family
Your mortgage is secured against your home. If something happens to you, your family faces
the risk of losing your home. Protection insurance ensures that doesn’t happen.
Types of Protection Insurance
Life Insurance
Pays a lump sum to your family if you die. This can repay your mortgage and provide financial
security. Term life (to age 65 or mortgage end) or whole of life (lifetime cover) options available.
Critical Illness Cover
Pays if you’re diagnosed with a serious illness (cancer, heart attack, stroke). Provides funds to
cover mortgage payments while you recover.
Income Protection
If you’re unable to work due to illness or injury, income protection pays a percentage of your
salary, helping you maintain mortgage payments.
Why Protection Insurance Matters
- Family protection – Your family keeps the home if something happens to you
- Financial security – Covers mortgage payments during illness or disability
- Peace of mind – Knowing your family is protected
- Affordability – Insurance costs less than you might expect
Protection Insurance FAQs
Do I need protection insurance?
Not legally required, but strongly recommended. Your mortgage is secured against your
home – protection insurance ensures your family can keep it.
How much cover do I need?
At minimum, cover your mortgage balance. Consider additional amounts for family living
expenses, children’s education or other financial commitments.
What's the cost?
Varies by age, health, cover amount and term. Term life for a £200,000 mortgage might cost
£10-£30 monthly for a young healthy person. Get a quote for your specific circumstances.
Still have questions?
Give us a call or send us your enquiry. We’re here to help.
