Mortgage & Family Protection

Below is a list of "horrible" questions we should all ask ourselves. The list of course is not exhaustive.

  • When was the last time you reviewed your cover?
  • Have you got enough life insurance in place?
  • Have you got any life insurance in place?
  • Is it just the mortgage I have covered? What about the other bills?
  • Would my family survive financially if I suffered a critical illness?
  • What if I were unable to work for a long period of time? Then what?
  • Can I afford this insurance policy? Can I afford not to have this policy?

Contact us on 0191 3000 918 for a good old-fashioned chat. You might find that getting some cover that you need in place is not as expensive as you think. We promise to work around your budget whatever that monthly amount might be. After all, you have to pay for it so the monthly cost has to be manageable.

Below is a summary of various products, which protect against the questions above.

Life Insurance

We can advise on how to protect you and your family against future eventualities. Life insurance can provide your loved ones with the appropriate financial protection against your death.

We can provide you with access to a select range of life insurance providers and will conduct extensive research from a panel of providers to offer you the cover you need at a competitive price.

Critical Illness Cover

As its name suggests, critical illness cover pays out a lump sum or a regular income if you are diagnosed with a critical illness – this includes cancer, heart attacks and strokes.

Family Income Benefit

Family income benefit insures against life or life and critical illness. Instead of receiving a lump sum, it pays a monthly income if the policyholder dies or is diagnosed with a critical illness whilst the policy is in force. The monthly income will continue at the level specified in the policy until the policy's termination date.

Income Protection

Income protection can provide a monthly income if you are diagnosed with an illness that may not be “critical”, but is severe enough to stop you going to work for a lengthy period. Psychological disorders and musculo-skeletal disorders are good examples of when Income Protection policies can pay out.

Home Insurance

We are able to offer you advice on a range of competitive home insurance products. We review a select panel of providers to seek out the most competitive quotation for you. Whether home, contents, or both, we provide you with the reassurance that your home and possessions are secure.

Landlord's Insurance

Protect your buy-to-let property and contents. We have access to a select range of comprehensive landlords' insurance products that are specifically designed to meet your needs as a property owner.

Cover in the event of Sickness, Accident & Unemployment

We can advise on a select range of competitive accident sickness & unemployment products from a panel of well-known accident sickness & unemployment insurance providers.

There are other providers of payment protection insurance and other products designed to protect against loss of income. For impartial information about insurance please visit the website at This is based on someone aged 35 and with a 30 day waiting period.