Protect your home, your income and your family
Protecting your mortgage is as important as finding the right rate. We help you choose cover that fits your life and your budget.
Insurance to protect what matters most
If something happened to you, would your family be able to stay in their home?
We can provide advice to protect you, your family and your business. You choose the amount of cover you need and the length of time you want to be insured for, and we explain the options in plain English.
Our advisers live local to towns across South Wales and Bristol, and can visit you at home.
Cover we can help you with
Life insurance
Pays a lump sum if you die during the policy term. Level cover pays a fixed amount; decreasing cover reduces over time, often in line with a repayment mortgage.
Critical illness cover
Pays a lump sum if you are diagnosed with one of the serious illnesses defined in the policy during the term.
Income protection
Pays a regular monthly benefit if illness or injury stops you working, after a waiting period you choose.
Health insurance
Private medical insurance can help you access private diagnosis and treatment for eligible conditions.
We can also explain how putting life cover in trust may help a payout reach the right people sooner. Trusts are not regulated by the Financial Conduct Authority.
What happens next
Understand your needs
We look at your mortgage, debts, income and family to work out what cover you may need.
Compare providers
We compare policies from a range of insurers, looking at cover, exclusions and price.
Clear recommendation
We explain what is covered, what is not, and help you complete the application.
Review as life changes
Moving home, having children or changing jobs? We help you check your cover still fits.
Common questions
Cannot see your question? Ask us, there is no obligation.
It is not usually a condition of a mortgage, but it is worth considering. Life insurance can help make sure your mortgage could be repaid and your family could stay in their home if you died.
It depends on your mortgage, other debts, income and what your family would need. We will help you work out a sensible level of cover that fits your budget.
Writing a policy in trust can help the payout go directly to the people you choose, and may mean it is paid more quickly. Trusts are not regulated by the Financial Conduct Authority.
Often, yes. Each insurer assesses health differently, so terms vary and acceptance is never guaranteed. We will help you find suitable options.