Protection

Your Mortgage is a Commitment.
Protection is the Guarantee.

A mortgage is likely the biggest financial commitment of your life. We believe that an expert mortgage plan is incomplete without a strategy to keep your home safe — no matter what life throws at you.

Check Your Protection Score Book a Protection Review

Why Protection is Non-Negotiable

Most people believe “it won’t happen to me.” But the data tells a different story.

In the UK, the average financial runway is just 19 days. If your income stops today, how long until your home is at risk?

Without the right protection, a single life event — illness, injury, or worse — can turn a manageable mortgage into an impossible burden. Protection isn’t a luxury. It’s the foundation that keeps everything else standing.

19
days
Average UK financial runway

If your income stopped today, how long could you keep your home?

The Three Pillars of Your Safety Net

Each pillar protects a different aspect of your financial life. Together, they form a complete safety net around your mortgage.

Life Insurance

Securing Their Future

The Goal: To ensure your family stays in their home, mortgage-free, if you are no longer there.
What It Is: A lump sum payment that clears your mortgage debt.
Why You Need It: To remove the burden of monthly payments for those you leave behind, providing total housing security during the most difficult of times.

Critical Illness Cover

Your Recovery Fund

The Goal: To give you the financial space to focus on health, not bills.
What It Is: A tax-free lump sum paid upon the diagnosis of a specified serious illness (such as cancer, heart attack, or stroke).
Why You Need It: Recovery takes time. This cover can pay off the mortgage, fund private treatment, or adapt your home — ensuring a health crisis doesn’t become a housing crisis.

Income Protection

Your Monthly Salary Substitute

The Goal: To keep the lights on and the mortgage paid if you can’t work.
What It Is: A monthly payment that replaces a significant portion of your salary if you are unable to work due to illness or injury.
Why You Need It: Statutory Sick Pay (SSP) is just £123.25 per week (from 5th April 2026). For a typical household with £3,200 in essentials, that leaves a monthly “void” of £2,665. Income Protection fills that gap.

Building Complete Resilience

Most people rely on state benefits and savings alone. A proper protection plan fills the gap entirely.

Full Protection Plan Income protection, critical illness & life cover
Personal Savings Average: covers 19 days
State Benefits / SSP £123.25 per week
Complete Resilience — your mortgage is protected no matter what happens.

The Reality Check: Your “Void” Calculator

We don’t guess your needs — we calculate them. Adjust the slider to see what happens if your income stops.

£
6 months
1 month 24 months
Your monthly essentials £2,500
SSP income (per month) £534
Monthly void £1,966
SSP covers 21% Void: 79%
6-month total risk £11,796
Secure Your Income Now

Is Your Safety Net Tied to Your Desk?

Relying solely on your workplace benefits (Death in Service or Group Income Protection) is a high-risk strategy. Here is the reality most employees miss:

The Portability Problem

Your cover exists only as long as your contract does. If you leave your job, lose your job, or the company changes providers, your protection vanishes instantly.

The Health Window

Insurance is cheapest and easiest to get when you are healthy. If your health declines while you’re relying on work benefits, you may find it impossible — or incredibly expensive — to secure a private policy later.

The Termination Catch-22

If you’re off work on long-term sick leave, an employer may eventually have to terminate your employment. In many cases, your benefits stop the moment your contract ends — leaving you with no income and no insurance exactly when you are most vulnerable.

The “Standard” Limit

Workplace schemes are “one size fits all.” They rarely account for your specific mortgage, your family’s unique needs, or your complex income structures.

A Note for Visa Holders & Directors

Workplace benefits are even more fragile for those on Visas or with Limited Companies. If your residency status or company structure changes, you could find yourself completely uninsured overnight. Private, portable cover is your only true guarantee of staying in your home.

Audit My Workplace Benefits

Are You Truly Resilient?

Don’t wait for a life event to find out where your safety net has holes. Our Wellness Assessment provides a Protection Readiness Score out of 100, highlighting exactly where you are covered — and where you aren’t.

Check Your Protection Score Book a Protection Review

Personal & Employment

The amount that actually hits your bank account each month

Your salary before tax and deductions. If left blank, we'll estimate from your take-home pay.