You’ve worked hard to buy your home. Now it’s time to make sure everything you’ve built and everyone you love is protected if the unexpected happens.

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What is life insurance & why does it matter?

Life insurance is a financial safety net that helps cover your mortgage or support your loved ones if you pass away or become too ill to work. It ensures your home and family are financially secure, even if you’re no longer around to provide for them.

Whether required by a mortgage lender or simply a smart step for peace of mind, life and protection policies give you the reassurance that your biggest financial commitments won’t fall on your family’s shoulders.

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What does life insurance protect?

Depending on the type of cover, protection policies can help with:

  • Paying off your mortgage so your family can stay in their home
  • Replacing lost income if you’re unable to work due to illness or injury
  • Covering household bills or childcare costs during difficult times
  • Providing financial stability to your partner or children
  • Meeting funeral or end-of-life expenses without added stress

Do you need life insurance for a mortgage?

Most lenders strongly recommend it, and some require a basic level of life cover to ensure the mortgage will be paid if something happens to you, but the real reason to have protection in place isn’t just the mortgage. It’s the people who depend on you.

If your family couldn’t afford to keep your home or cover everyday living costs without your income, the right protection policy can be essential.

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Choosing the right protection for your needs

Life insurance isn’t one-size-fits-all. That’s why we help you find the right combination of cover, tailored to your mortgage, family situation, income, and future plans.

We’ll guide you through the different types:

Life insurance

Pays out a lump sum if you die during the policy term

Critical illness cover

Pays out if you’re diagnosed with a serious illness like cancer, stroke or heart attack

Income protection

Provides a regular income if you can’t work due to illness or injury

Mortgage protection insurance

Covers your monthly repayments if you're off work

Why work with a protection specialist?

You could compare policies online, but most people don’t know what to look for or what they might be missing. As part of your mortgage journey, we’ll:

Review any existing cover to see if it still fits your needs

Explain your options clearly, without jargon or pushy sales tactics

Match you with providers that suit your health, job, and mortgage

Handle all the paperwork, quotes, and applications on your behalf

Ensure you’re not overpaying or under-protected

Questions you might be asking

Is your family able to keep their home without your salary?

If your income stopped tomorrow, how long could your household manage? Protection helps you plan for the ‘what-ifs’ so your home and family are secure.

What insurance do I need for my mortgage?

Typically, life insurance is the minimum recommendation. But depending on your circumstances, we may also suggest critical illness cover or income protection.

How much does it cost?

It depends on your age, health, mortgage amount, and type of policy. Some basic life insurance policies can start from just a few pounds a month.

I already have a cover, do I need more?

We’ll offer a free policy review to check if your current cover is still suitable. A lot changes when you move home, get married, or have children, and old policies may no longer match your needs.

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Talk to someone who'll take the time to understand

You don’t have to figure this out on your own. If you’re buying a home, moving, or just want to check you’re properly protected, we’re here to help.

Book a free, no-obligation appointment today. We’ll help you review your options, explain what’s worth considering, and make sure your protection fits your life, not just your mortgage.

How can we help you?

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Find out what you can afford in minutes

Understanding what you can realistically afford is the first step toward a stress-free homebuying journey. Our affordability tool gives you a quick and accurate estimate of how much you may be able to borrow based on your income, expenses, and deposit.

It’s completely free to use, doesn’t affect your credit score, and takes just a couple of minutes. Whether you’re a first-time buyer, moving up the ladder, or simply exploring your options, our tool can help you plan with confidence and avoid unwanted surprises later.

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