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FCA-Authorised Advisers | Whole-of-Market Access
We can find you the most suitable Mortgage Protection Insurance policy that protects you and your family - with expert guidance and no fees.
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This provides monthly tax-free payments in the event that you cannot work due to injury, short or long-term sickness or disability. For most policies, these payments can last to retirement age if necessary, and multiple claims can be made provided premiums continue to be paid. Read more
Income Protection Insurance pays out a sum of money every month in the event that you are unable to work due to sickness or injury. The money can be used to cover your regular expenditure like mortgage payments, household bills and other living expenses.
Premiums are paid monthly and the cover is set to pay-out for a period of time, either short term (1-5 years) or up to the age of retirement. The amount that the income protection policy will pay out every month is typically limited to 65% of your monthly salary or income.
The Premiums are affected by various factors including the monthly sum insured, salary, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
A good way to reduce the cost of the premiums is to defer when the policy pays out after a claim is registered. It is worth considering whether your employer offers any sickness benefits or whether you have any savings to extend the deferment period.
This provides a one-off tax-free lump-sum payment to settle your remaining mortgage balance in the event of your death during the fixed term of the policy. Read more
Life Insurance protects families from financial hardship by paying out a one-off tax-free lump-sum if the policyholder dies during the term of the policy. The money can be used to pay off mortgages and other outstanding debts as well as providing a source of income for everyday living.
Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of life insurance cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.
The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
Insurers historically pay 99% of all life insurance claims - when they don‘t pay out, it is usually because the policyholder was not truthful on their initial application about an existing health condition or a regular dangerous pursuit which led to their death.
This provides monthly tax-free payments in the event that you cannot work due to injury, short or long-term sickness or disability, and a tax-free lump-sum payment in the event of death during the fixed term of the policy. Read more
Life and Income Protection Insurance protects families from financial hardship by paying out a sum of money every month in the event that the policyholder is unable to work due to sickness or injury as well as a one-off lump-sum if the policyholder dies during the term of the policy.
The money can be used to settle monthly household bills, or with a lump-sum payment, pay off an outstanding mortgage, or other debts.
Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of life insurance cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.
For Income Protection Insurance, the cover is set to pay-out for a period of time, either short term (1-5 years) or up to the age of retirement. The amount that the income protection policy will pay out every month is typically limited to 65% of your monthly salary or income.
The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
For free advice, speak to a UK based adviser on
0333 987 3960* (9am-5pm Mon-Fri)
The quotation service is provided by an FCA-authorised insurance specialist
If illness or injury stopped you working, how would you keep up with your mortgage payments? Your savings might last a few months, but what happens then? Without cover, you risk:
Let’s make sure you can keep paying your mortgage even if you are unable to work.
Statutory sick pay is just £116.75 per week and runs out after 28 weeks, and even generous employer schemes typically end after six to twelve months. We’ve seen families struggle to keep up their monthly mortgage payments while dealing with illness, simply because they assumed their sick pay would be higher or last longer.
British Life connects you with advisers who specialise in Mortgage Protection Insurance, who ensure that your policy covers any gap between your sick pay ending and your return to work.
James Stait,
British Life
Sometimes the worst can happen. Your mortgage payment doesn’t stop just because you’re too ill to work. Statutory sick pay runs out after 28 weeks, and employer sick pay rarely lasts more than a year. What happens to your mortgage then?
British Life connects you with FCA-authorised advisers who specialise in mortgage protection across the UK. They work with the whole market to secure the best policies to provide a monthly income if illness or injury stops you working. Whether you need income protection alone or want the extra protection of Mortgage Life Insurance or Critical Illness Cover, your adviser will find the right policy to match your circumstances and budget.
Imagine how it would feel to know that your mortgage is covered, your home is secure and yourfamily is protected, even when you can’t work.
Discover how straightforward Mortgage Protection Insurance can be. Start your quote today.
Our service is completely free. The advisers we connect you with are paid by insurers, but only when they secure appropriate cover for you. The cost of your monthly premium will vary based on your age, occupation, health, whether you smoke and your chosen deferred and benefit periods. Your adviser helps you find the right balance between cost and protection.
Mortgage Protection Insurance typically covers up to 65% of your gross monthly income. This limit exists because insurers don’t want to remove your financial incentive to return to work. Your adviser will calculate the right benefit amount based on your mortgage payment, other essential expenses and what you can afford in premiums.
Own occupation pays out if you can’t do your specific job. Any occupation only pays if you can’t do any work suited to your experience and skills. For example, if you’re a surgeon who can’t operate but could do admin work, own occupation would pay out but any occupation might not. Own occupation offers better protection but costs more.
Once you’ve started your quote, you’ll receive a call from one of our FCA-authorised advisers to discuss your income, mortgage payments and any employer sick pay benefits. They’ll explain deferred periods (when payments start) and benefit periods (how long they last) and help you decide between own occupation and any occupation definitions. If you want protection for death, terminal illness or critical illness alongside income protection, they’ll explain your options, including decreasing term life insurance and combined policies. They’ll then present you with the best options for your needs and budget, selected from the whole UK market.
You can take out a joint policy with your partner or separate individual policies. Joint cover means one monthly premium, but the policy typically pays out only once. Your adviser will explain which option offers better value and protection for your circumstances.
It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.
A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.
Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.
Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.
We have tracked down the very best protection insurance advisers in the UK to ensure you have access to great advice and the best products from the leading insurers.
Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.
Outstanding service and knowledgeable customer service rep. I received a call as promised in my email. Marie was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.
Marie was very sensitive when discussing personal circumstances and listened carefully and showed...
N Marsden