Every family is different, so we look at the whole picture. These are the main types of cover we talk about.
Pays you a monthly income if illness or injury stops you working, until you can go back, retire or the policy ends.
Pays a lump sum or a monthly income to the people you leave behind, to clear the mortgage and keep life going.
Pays a lump sum if you're diagnosed with a specified serious illness, such as some cancers, heart attacks or strokes.
Family income benefit, accident, sickness and unemployment cover, home insurance, and getting your will and LPAs in place.
Think of your home, your family and your plans as the roof. Something has to hold it up. Each pillar covers a different "what if", and together they stand on one thing: financial resilience.
PILLAR I · INCOME PROTECTION
Your mortgage, bills and everyday life don't stop because you can't work. Income protection can pay a regular income if illness or injury keeps you off work.
Protect your income. Protect your lifestyle.
PILLAR II · LIFE COVER
Life cover can provide money to the people you leave behind — helping with the mortgage, debts and the financial impact of losing someone.
Their future. Your legacy.
PILLAR III · CRITICAL ILLNESS
Critical illness cover can pay a lump sum on diagnosis of a specified serious illness — giving you choices when you need them most.
Options when you need them most.
+ A BIT
One of the kindest things you can do.
Most people insure the bricks and mortar, but not the income or the person paying for them. A roof on one pillar doesn't stay up for long. Each pillar does a job the others can't.
You're far more likely to be off work through illness or injury than anything else on this page. Your income pays for everything, so it's the first pillar we look at.
Protection isn't a box to tick at the end of a mortgage. We look at it from the start, alongside your budget, so the cover fits your life and what you can comfortably afford.
Wills, lasting powers of attorney, family income benefit and accident, sickness and unemployment cover fill the gaps between the pillars.
We start with your sick pay, death in service and any policies you already have, so you only pay for the gaps, not for cover twice.
Financial resilience isn't about expecting the worst. It's about having thought about it, so the people you love are looked after whatever happens.
We talk about your family, your home, your work and what worries you most.
We check your sick pay, death in service and any existing policies, so nothing is doubled up.
We search the market and explain the cover we'd recommend, what it costs and why, in plain English.
A new baby, a bigger mortgage or a new job? We check your cover keeps up.
Protection is about your family and your income, not only paying off the mortgage. Renters need it too.
Putting life cover in trust can mean it pays out faster, usually without waiting for probate.
Answer every health and lifestyle question fully. It's what makes sure a claim gets paid.
Most lenders don't insist on it. But if your family relies on your income to pay the mortgage, life cover makes sure they could stay in the home if something happened to you. See Ask Charlie for more.
Statutory sick pay is a small weekly amount, and many employers only pay full sick pay for a few weeks or months. Income protection can carry on paying for much longer. We'll look at what your employer gives you first.
Many people have both. Critical illness cover can give you options while you recover, like time off work, paying off debt or adapting your home.
Smokers and people with some health conditions pay more. We'll find cover that fits your budget, and show you what each option costs before you decide.
Pop your details in and we'll call you back. The first chat is free, with no obligation.
The legal bit
Your home may be repossessed if you do not keep up repayments on your mortgage.
We don't charge a fee for mortgage advice.
Bridging, will writing, equity release and conveyancing are provided through our network of approved business partners.