Are you protected?

Allow us to assist you in locating a policy tailored to meet your specific needs.


'Protection' encompasses various policies designed to ensure the well-being of you and your family in challenging circumstances. Throughout life, your protection requirements evolve, whether due to relocating, embarking on a new career, or expanding your family. It's crucial to regularly reassess your protection needs, and securing a new mortgage presents an opportune time for this evaluation.

For insurance services, we provide a range of products tailored to suit your needs.


Do I need life insurance to get a mortgage?  

While life insurance isn't obligatory for securing a mortgage, we highly recommend its consideration. Given that a mortgage typically constitutes a significant financial commitment, it is prudent to safeguard it, particularly if you have dependents, such as a family relying on your income to meet mortgage payments.

The sole insurance mandated by law to obtain a mortgage is buildings insurance.

Life Cover 

Life insurance offers reassurance by ensuring that your family is provided for in the event of your death. It allows you to connect the life insurance plan with your mortgage, providing a lump sum payout. This amount can be utilized to settle the remaining mortgage or alleviate other financial burdens your loved ones may face.

Life Insurance

Critical Illness 

Critical illness cover is crafted to provide financial support if you find yourself unable to work due to a diagnosed critical illness. Your policy must encompass the specific illness in question to receive a tax-free lump sum, offering flexibility to settle your mortgage or address other financial obligations.

Income Protection

Income protection provides financial assistance in the event you are unable to work due to illness or injury. It substitutes a portion of your income, ensuring a continuous stream of regular, tax-free payments until your return to work becomes possible.


Income Protection

Family Income Benefit 

Family income benefit constitutes a distinctive form of life insurance policy. Typically, conventional life insurance provides a lump sum payout to your loved ones upon your death, leaving the decision on how to manage the funds up to them. In contrast, family income benefit ensures that your loved ones receive a regular income for a predefined duration, serving to replace the lost income.


Family Income Benefit

Buildings and Contents

Buildings and contents insurance safeguard against the expenses associated with repairing damages caused by unforeseen events like fire and flooding. This coverage not only protects your personal assets but also ensures the preservation of the lender's interests. While buildings insurance is a mandatory requirement for mortgage approval, we strongly advise including the contents insurance component for comprehensive coverage.


Buildings and Contents
For insurance business we offer products from a choice of insurers.