Family Income Protection, Protection Services and Insurance.

We understand that obtaining a mortgage is a significant financial decision, and it is essential to have adequate protection in place. Protect yourself (and your family) with Family Income Protection and more.

Safeguard your financial future.

Unexpected events, such as illness, job loss, or death, can significantly impact your ability to make mortgage payments, putting your home at risk.

We offer a range of protection services tailored to your needs to safeguard your financial future. Our experienced team will work with you to find the right protection products to protect you and your family.

Life Insurance

This is the most well known of the optional insurance products that we can look at for you and your family.

It pays out a tax-free lump sum on death during the policy term. It is generally there to help your loved ones clear the mortgage so that, should you die, they always have a roof over their heads.​

Life insurance looks after those you love when you are no longer there to support them. It leaves a legacy behind to help ensure that their dreams can still come true, even with you watching them from up above.

Critical Illness Cover

Critical illness insurance works in the same way as life insurance in that it pays out a tax-free lump sum should you be diagnosed with a critical illness during the policy term.

This lump sum is there to take the financial strain away from you and your family in such a turbulent and terrible time.

You can do with it as you please: take time off work, clear the mortgage, take those you love on a once in a lifetime holiday.

We all hope it won’t happen to us, but sadly most of us know someone who has been touched by cancer, heart attack or stroke – the three main illnesses claimed on through critical illness cover.

Family Income Protection

Family Income Protection

How would you cope if you had no income?

Income protection pays a monthly salary to you for as long as you are off of work sick, subject to medical qualification.

Not only does this protect you financially, but it ensures that your family can still do the things they love.

Family Income Protection ensures that their hopes and dreams aren’t shattered by your illness and that you can glean pleasure from seeing them live their life to the full without additional financial burdens.


If you were no longer here, how would you want the future for your family to look?

Most people rarely think about doing a will until they get a lot older.

Owning a property and having a family are the two best times to do your will, as you have assets and you no longer have just yourself to think about.

A will ensures that when you die, your family are provided for in the way you always perceived.

Let us help you help your family, forever.

Wills are arranged by referral only.

Home Insurance

Buildings insurance is a legal requirement which protects the bricks and mortar of your home as well as fixtures such as kitchen units and must be in place by exchange of contracts.

Contents insurance which protects your personal belongings inside your home is optional.​

Whether you opt for buildings insurance only, or buildings and contents insurance, we would recommend that you renew your policy annually to ensure the best deal for you and your family.

Family Income Benefit Insurance

This looks after those that need you most.When you die during the policy term, a monthly payment is paid out to those you love until you would have turned a set age, all arranged by you.

You can run this until your children would turn 21 or until you would have retired amongst other options. This is designed to remove financial stress when your loved ones are grieving over you and replace the income they have lost, along with you.

Family Income Benefit Insurance ensures that your loved ones can stay in the family home and maintain the standard of living you helped to provide.

Landlord Insurance

Landlord insurance offers you protection for the property that you rent out to tenants. Landlord insurance is vital but not legally required.

However, landlord insurance covers the cost of damage to your property and protects you from losing money on such events as loss of rent, damage by tenants and unauthorised alterations.

Private Medical Insurance

Designed to cover the cost of private medical treatment for ‘acute conditions’ that start after your policy begins.

Available at a range of different levels of cover at various premiums, designed to meet the needs of different customers.

For example, you can have choices around the types of treatment covered, what level of cover will apply to those treatments, the location where your treatment is provided and the contribution you might be willing to make to the treatment cost (called ‘the excess’).

Cover usually includes:

  • The cost of hospital admission
  • Diagnostic tests, such as MRI and CT scans
  • Surgery
  • The costs of seeing a consultant
  • Hospital accommodation and nursing care
  • Cancer drugs – some polices will include drugs that are not available on the NHS

Cover may also include:

  • Outpatient consultations
  • Mental health treatment options
  • Complimentary therapies
  • Physiotherapy and chiropody
  • Dental hygiene

Get in touch to find out what we can do for you.

Mortgage Advisor Peterborough

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