Do I need life insurance to get a mortgage?

Most lenders don't require it, but it's strongly recommended. If you die during the mortgage term, life insurance pays off the remaining balance so your family isn't left with the debt.

What's the difference between critical illness cover and income protection?

Critical illness cover pays a one-off tax-free lump sum if you're diagnosed with a specific serious illness. Income protection pays a regular monthly income if you're unable to work due to any illness or injury — it's ongoing rather than a single payout.

How much does life insurance cost?

A healthy 30-year-old can often get £200,000 of cover for around £8–£15 per month. Costs depend on your age, health, smoking status, and the amount of cover you need. We recommend from a panel of protection insurers and help you compare suitable options.

Can I get insurance if I have a pre-existing medical condition?

Yes, many insurers cover pre-existing conditions — though terms and premiums may vary. We work with specialist providers who understand complex medical histories.

Is buildings insurance a legal requirement?

It's not a legal requirement, but almost all mortgage lenders require buildings insurance as a condition of your loan. It protects the structure of your property against damage from fire, flood, subsidence, and storms.

Do you charge for insurance advice?

Initial protection advice is free. We are normally paid by the insurance providers and will explain this clearly before you proceed. We recommend from a panel of protection insurers and help you compare suitable cover.

Mortgage, Income, Family Protection & Insurance

Your mortgage is likely the biggest financial commitment you'll ever make. Make sure it's protected — and make sure your family is too.

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Free Insurance Advice & Support — For Life

Panel of protection insurers

Why Protection Matters

Most people insure their car, phone, and even their pets — but leave their most important asset unprotected. If you couldn't work due to illness, how long could you keep up your mortgage payments?

Critical Illness Cover

Receive a tax-free lump sum if you're diagnosed with a serious illness like cancer, heart attack, or stroke. Use it to clear your mortgage, fund treatment, or cover lost income.

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Income Protection

Replaces up to 70% of your income if you're unable to work due to illness or injury. Covers your mortgage, bills, and day-to-day expenses until you recover or retire.

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Life Insurance

Ensures your mortgage is cleared and your family is financially secure if the worst happens. Choose from level term, decreasing term, or whole-of-life policies.

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Family Income Benefit

Rather than a lump sum, this pays your family a regular tax-free monthly income from the date of your death until the policy ends — perfect for ongoing household costs.

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Buildings & Contents Insurance

Protect your property and possessions against fire, flood, theft, and accidental damage. Most mortgage lenders require buildings insurance as a condition of your loan.

Read our full guide

1 in 2

UK people born after 1960 will be diagnosed with some form of cancer during their lifetime (Cancer Research UK)

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Statutory Sick Pay for the self-employed — you are not eligible for SSP if you work for yourself (GOV.UK)

28 weeks

The maximum period Statutory Sick Pay is paid for — after that, employer support depends on your contract (GOV.UK)