No impact on your credit score
Protect What Matters Most
Clear, adviser-led protection advice based on your circumstances
Protection insurance can help reduce the financial impact of death, serious illness, being unable to work, damage to your home or losing someone important to your business. The right cover depends on what you need to protect, your financial commitments, existing policies, savings and workplace or business benefits. Our protection specialists provide a free adviser-led review to identify potential gaps, explain the relevant types of cover and compare suitable options based on your circumstances and budget.
What Would You Like To Protect?
You do not need to know the name of the policy you need before speaking to an adviser.
Buying a home is a big financial commitment. Protection is there to help make that commitment more manageable if life takes an unexpected turn. That might mean insuring the property itself, having some income coming in if you cannot work, or leaving money behind to help your family with the mortgage and household bills.
An adviser can explain the different types of protection available and help you understand which options may suit your circumstances. A useful starting point is to think about who or what would be financially affected if your circumstances changed.
Compare Options From a Range of UK Insurers
Access The Most Suitable Cover For Your Circumstances
Our protection specialists can scan our providers, explain the different types of cover and find you the most suitable protection for you and your family needs. Non advised cover can often full short and might not be the right insurance that fits your needs.
Request a call backProtect your home
For homeowners, buildings insurance usually covers the structure of the property, while contents insurance covers the belongings kept inside it. All mortgage lenders require buildings cover to be in place.
If you rent, the landlord will normally insure the building. If you rent, buildings insurance is usually the landlord’s responsibility. You would only need to think about contents insurance cover for the things you own inside the property. Leaseholders should look at their lease or service charge paperwork before taking out a separate buildings policy. The freeholder may already have buildings insurance in place. You may already be paying towards cover arranged by the freeholder.
Protect your family
Life insurance can leave a payment for your family if you die while the policy is in place. Critical illness cover works in a different way, paying out after a qualifying diagnosis listed in the policy.
That money could be used wherever it is needed most, from mortgage payments and everyday bills to childcare or other debts, or even paying off a mortgage! The amount and type of cover should reflect what your family would need, rather than relying only on the outstanding mortgage balance.
Protect your business
The death or serious illness of a director, owner or important employee can affect revenue, borrowing, ownership and the business’s ability to continue operating.
Depending on what the business needs, protection could include key person insurance, sometimes called “keyman insurance”, shareholder protection or cover for business loans. Directors may also be able to arrange life insurance through the company, depending on their employment status, how the policy is set up and the tax rules at the time.
Protect your income
Income protection can provide regular payments if illness or injury prevents you from working. Redundancy insurance is designed for a different risk and may provide short-term support following eligible involuntary redundancy.
Before arranging cover, it is sensible to check your employer’s sick pay, redundancy package, savings and any existing workplace benefits. An adviser can then help you identify whether there is a gap and explain the policy terms that could affect a future claim.
Protection in Numbers
Insurance has the reputation that often payments are not paid, or policies are not paid out. That simply isn't true. Stats from the Association of British Insurers and GRiD, Protection Claims Data 2025, published June 2026, and Association of British Insurers, Property Insurance Tracker, Q2 2026.
£7.84 billion
Paid in protection claims during 2025
UK insurers paid £7.84 billion across individual and group protection claims during 2025, equivalent to £21.5 million every day.
97.9%
Of individual protection claims were paid.
Insurers paid 97.9% of individual protection claims in 2025, with £5.15 billion paid across individual life insurance, critical illness and income protection claims.
£7,000+
Average home insurance claim.
The average payout across all types of UK home insurance claims exceeded £7,000 during the second quarter of 2026.
Understand Your Protection Options In Three Steps
Our protection specialists will help you understand the available cover and what it could cost. There is no obligation to proceed after speaking with us.
1. Tell us what you want to protect
Let us know about your circumstances and whether you are looking to protect your family, income, home, mortgage or business.
2. Review the available options
Your adviser will talk you through the cover available, what it does and does not include, and what you can expect to pay.
3. Take time to decide what is right for you
Take time to consider the options. If you decide to proceed, your adviser will help you through the application and underwriting process.
Explore Types Of Protection Insurance
Protection insurance is not one product. Each type of policy is designed to respond to a different event, and some people may benefit from combining more than one type of cover.
Life Insurance
Cover designed to provide financial support for your family or other beneficiaries if you die during the policy term.
Critical Illness Insurance
A policy that may provide a lump-sum payment if you are diagnosed with a specified serious illness covered by the policy.
Income Protection Insurance
Cover designed to replace part of your income if illness or injury leaves you unable to work and your claim meets the policy terms.
Buildings and Contents Insurance
Cover for the structure of your home and its permanent fixtures against insured risks such as fire, flooding, storms and subsidence.
Business Protection Insurance
Cover designed to help a business manage the financial impact of losing an owner, director or other important person.
Directors’ Life Insurance
Company-arranged life insurance options for eligible directors or employees, subject to the policy structure and individual circumstances.
Compare the Different Types of Protection
| Type of protection | Main purpose | Usual benefit format | Key point to check |
| Life insurance | Financial support following the insured person’s death | Usually a lump sum | The amount, policy term and who receives the benefit |
| Critical illness insurance | Financial support following diagnosis of a covered condition | Usually a lump sum | The insurer’s definitions, exclusions and severity requirements |
| Income protection insurance | Replace part of your earnings if illness or injury prevents you from working | Usually regular monthly payments | The deferred period, incapacity definition and benefit term |
| Redundancy insurance | Temporary support following eligible involuntary redundancy | Usually monthly payments for a limited period | Eligibility, initial exclusions, waiting periods and payment limits |
| Buildings insurance | Cover damage to the structure and permanent fixtures of a home | Repair, replacement or financial settlement | Rebuild value, insured risks and excess |
| Contents insurance | Cover loss of or damage to belongings | Repair, replacement or financial settlement | Total contents value, single-item limits and cover outside the home |
| Business protection | Help a company manage specified risks linked to key people, debts or ownership | Depends on the policy | Policy purpose, ownership, beneficiary and tax treatment |
| Directors’ life insurance | Company-arranged life cover for an eligible director or employee | Usually a lump sum | Eligibility, trust arrangements and what happens when employment ends |
Protection arranged several years ago may no longer reflect your mortgage, income, family, employment or business responsibilities. Our protection specialists can review existing cover at no advice fee and help you understand whether it still meets the financial risks you want to protect. A review does not automatically mean replacing a policy. Existing cover may contain valuable terms or have been arranged when you were younger or in better health. Never cancel existing protection until any replacement has been accepted, its terms have been reviewed and the new cover is active. You may benefit from reviewing your cover after: A review does not automatically mean replacing your existing policy. Cover arranged when you were younger or before a change in health may offer terms that cannot easily be obtained again. Do not cancel existing protection until any replacement policy has been fully accepted, has started, and you understand the differences between the old and new cover. Replacement insurance may cost more, and medical conditions that developed after the original policy began could affect the terms available.Does Your Existing Protection Still Fit Your Life?
Why Choose The Mortgage Broker for Protection Advice?
Protection Advice Starts With Your Financial Gap.
Buying several insurance policies does not automatically mean you are properly protected. The important question is what financial shortfall would remain if your income stopped, you became seriously ill, you died, your home was badly damaged or your business lost someone it relies on.
Our advisers review the commitments that would remain, the income or benefits that would continue, the savings and protection you already have and the amount you can comfortably afford. We can then explain where genuine gaps may exist and which options are worth considering.
Protection Specialists
You do not need to work out the differences between every policy on your own. Our protection team will talk you through the options for your family, home or business and explain which ones are worth considering.
A Quick Quote, Backed by Advice
We can often provide an initial quote during your first conversation. The difference is that our protection specialists will also ask about your mortgage, income, family and existing cover before discussing the options.
Advice that considers your mortgage
Protection should not be considered in isolation. We review your mortgage, income, existing benefits, family commitments and other outgoings before discussing the cover you may need.
No fee and no obligation
There is no charge for speaking to our protection team, and you are not required to take out a policy following the review. You will have the opportunity to understand the options before deciding whether to proceed.
Support through the application
If you choose to apply, your adviser will support you through the process, including the application and insurer underwriting. They will also be available to explain any questions or requests from the insurer.
More than 20 years of experience
The Mortgage Broker has provided mortgage and protection advice for more than 20 years. Our experience, client reviews and reputation reflect the personal support we aim to provide from the first conversation onwards.
Tell us what you want to protect, the commitments you are concerned about and any cover you already have. A protection adviser can help you understand the options, identify the information needed and compare suitable policies based on your circumstances and budget.
The FCA says advice required for suitable protection.
The FCA says the breadth and complexity of pure protection policies means consumers often require advice to find cover that meets their demands and needs. Financial Conduct Authority.
The FCA also says 58% of UK adults currently do not hold a pure protection product, while identifying lack of awareness and failure to consider protection needs as contributors to the protection gap.