protection & insurance

Protecting What Matters Most

Life insurance, critical illness, income protection, buildings & contents.

The Right Cover for Every Stage of Life

Buying a home is one of the biggest financial commitments you will ever make. But protecting the people and things you love matters just as much. We work with leading insurers across the whole of market to find the most suitable protection for your circumstances, at the right price.

Whether you need to protect your mortgage, your income or your family, our advisers take the time to understand your situation and recommend cover that genuinely fits - with no unnecessary add-ons and no jargon.

Life Insurance

Life insurance is one of the most important financial decisions you will ever make. If you were to pass away unexpectedly, a life insurance policy ensures your mortgage is paid off and your family is not left with an impossible financial burden at an already devastating time.

We search the whole of market to find the right level of cover for your circumstances, at the most competitive premium. Whether you need level term, decreasing term or whole of life cover, we will explain every option clearly and recommend the solution that is right for you.

what's covered
  • Mortgage repayment if you pass away during the policy term
  • Lump sum or regular income for your family
  • Level or decreasing cover to match your mortgage balance
  • Joint policy options for couples and families
  • Whole of life cover available for long-term peace of mind
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Critical Illness Cover

A serious diagnosis changes everything. Critical illness cover pays a tax-free lump sum if you are diagnosed with one of a defined list of serious conditions - giving you the financial breathing space to focus entirely on your recovery without worrying about your mortgage or your bills.

Conditions covered vary between providers, which is why independent advice matters. We compare policies across the whole of market to find the most comprehensive cover at the best price, and make sure you understand exactly what is and is not included before you commit.

conditions typically covered
  • Cancer, heart attack and stroke
  • Multiple sclerosis and Parkinson's disease
  • Organ failure and major organ transplant
  • Permanent total disability
  • Children's critical illness benefit on many policies
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Income Protection

Your income is your most valuable asset - yet most people never insure it. Income protection replaces a proportion of your monthly earnings if you are unable to work due to illness or injury, for as long as you need it, keeping your mortgage payments and household bills covered while you recover.

Unlike payment protection insurance, a quality income protection policy is not time-limited and is not tied to a single debt. We help you find the right level of cover, deferred period and benefit term to match your needs and budget, with whole of market access across all providers.

what's covered
  • Monthly income replacement - typically up to 70% of earnings
  • Illness and injury - short and long term
  • Pays until you return to work, retire or the policy ends
  • Own occupation, suited occupation and any occupation definitions
  • Specialist options available for the self-employed
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Buildings & Contents

Your home is likely the largest investment you will ever make, and most mortgage lenders require buildings insurance as a condition of the loan. But the right policy does far more than satisfy your lender - it protects the structure, the fabric and everything inside your home against unexpected events.

We shop the market to find comprehensive cover that meets your lender requirements and genuinely protects your property and possessions. From accidental damage to flood cover, we make sure you have the right policy in place before you complete - with no gaps and no nasty surprises.

what's covered
  • The structure and fabric of your home - walls, roof, floors and fixtures
  • Personal possessions and household contents
  • Fire, flood, storm damage, subsidence and escape of water
  • Theft, attempted theft and malicious damage
  • Accidental damage options and high-value items cover
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Client Testimonials

Jason took the time to explain every protection option we had after buying our first home. We honestly had no idea how exposed we were until we sat down with him. The cover he arranged was far better and cheaper than anything we had found ourselves.

SH
Sarah Henderson Life Insurance Customer, Glasgow
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Whether you are unsure which type of cover you need or ready to get a quote, our advisers are on hand to guide you through your options. Get in touch today for a free, no-obligation conversation.

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