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As well as our mortgage services that we provide, we also specialise in financial protection for your mortgage and your family. The majority of protection providers have clarified their position on claims with regards to COVID-19. For a full list of our provider panel and their updates, view it here.

During these unprecedented COVID-19 times, it’s important to know the types of life protection that is available to keep you financially protected. Our video explains all that we can help you with.


Our Head of Protection Andrew Donnelly presents a conversation with representatives from protection providers Guardian, LV and Vitality. Discussing the impact on your life insurance and other policies during these unprecedented times.

We discuss:


With the ongoing coronavirus pandemic still affecting the UK, we wanted to give you information on what our panel of protection providers will do if coronavirus affects you. The below information is for existing customers of these providers.


AIG have confirmed that death from coronavirus will be ‘handled like any other life insurance claim.’


This month men all over the country will be growing out their facial hair for Movember as a fun way to raise awareness of men’s cancer and mental health risks.

We all think “It won’t happen to me”. But most of us know of someone either directly or through friends and family that have been affected.


AIG have launched Smart Health. It gives unlimited access to a 24/7 virtual GP as well as a range of other health and wellbeing experts. With any AIG policy, Smart Health is available at no extra cost.

24/7 virtual GP

Managing your health doesn’t always fit in to the 9-5. That’s why when you need a medical appointment, the Smart Health service provides you with unlimited, round the clock access to a GP.


Critical illness can strike at any time.

  • 1 in 2 people in the UK (born after 1960) will be diagnosed with some form of cancer during their lifetime. [1]
  • Every 7 minutes someone will have a heart attack [2]
  • Every 12 minutes someone will have a stroke [2]

Serious Illness Cover from Vitality helps protect you financially if the worst was to happen to you, and you fall ill with one of the 178 conditions that they cover. They pay out a cash lump sum based on the severity of your condition. It gives you financial stability allowing you plenty of time to recover.


A recent report from Macmillan Cancer Support, state there are 400,000 of the UK cancer population who struggle to pay household bills [1].

With improvements to diagnostics and treatments, the cancer population is increasing, but surviving cancer doesn’t mean living well. Everyone’s priority should be ensuring every person living with cancer gets the financial support they need when they need it.


Teachers endure greater job-related stress than other professionals, according to the National Foundation for Educational Research (NFER) [1].

Research revealed that 3,750 teachers were signed off on long-term sick leave in 2017 because of pressure of work, anxiety and mental illness. [2]


According to a report from Scottish Widows, more than half (58%) of men with dependent children have no life insurance. That means that just over 4.5 million dads could be leaving their families with no financial protection if the worst was to happen to them.

Life insurance is designed to come to the rescue of your loved ones in the event of your death. It pays out a lump sum to those closest to you, relieving the financial worries from your family. It can help cover the cost of your mortgage, bills, general living expenses and funeral bills. Could your household survive without your income, a fifth of dad admitted that theirs wouldn’t.


Could you and your family cope without your income?

Recent statistics released by RedArc have shown almost two-thirds of stroke victims (60%) fall within the traditional working age bracket of 40 to 59.

One in four of the 100,000 strokes in the UK each year [1] happen to people of working age or younger. Almost two-thirds of stroke survivors leave hospital with a disability [2].


April is Testicular Cancer Awareness month. It’s a cancer that’s most common in men ages 15-35 years, but men of all ages can be at risk [1].

Statistics from the Movember Foundation revealed that 1 in 10 men don’t know how to check for signs of the disease [2]. So as it’s Testicular Cancer Awareness month, we’ve put together three key points so that you are prepared.


This month men all over the country will be growing out their facial hair for Movember as a fun way to raise awareness of men’s cancer and mental health risks.

We all think “it won’t happen to me”. Well as much as men might like to bury their head in the sand and pretend that’s the case, the facts are somewhat different.


Critical Illness Cover is designed to financially support you in case the worst happens, and you are diagnosed with a critical condition that is specified in your policy. Most people don’t realise that children are actually one of the most common reasons for people needing to claim.

Critical Illness Cover from AIG automatically covers any child that you have now or in the future as standard. Their enhanced children’s critical illness cover allows a parent to claim up to 50% of the value of their policy (up to a maximum of £35,000) if their child is diagnosed with one of the critical illnesses they cover.


Serious illnesses like cancer and heart conditions are all too common. While our country’s healthcare system is advanced, sometimes the very latest treatment options may not be available in the UK.

  • There are currently around 6,000 people on the UK Transplant Waiting List. Last year over 400 people died while waiting for a transplant [1].
  • 1 in 2 people in the UK born after 1960 will be diagnosed with some form of cancer during their lifetime [2].
  • Everyday in the UK, 530 people suffer from a heart attack [3].

Global treatment from Aviva is designed to give you and your child more treatment options in case either of you are diagnosed with a serious illness. It provides you with access to medical experts around the world, an expert second opinion and overseas treatment.


According to a recent article in FT Adviser, “Homeowners in Britain are woefully under-prepared in the event of long-term sickness, accident or ill health.”1

Nobody plans to get hit by a bus but these things do happen. Should you be left unable to work do you have a plan in place to keep paying your bills and mortgage?


Comparison websites may offer cheap life insurance quotes. But cheap doesn’t necessarily mean good quality or that it’s the most suitable policy for you.

Websites like this are merely giving you a quote without advice, no reassurance and no one to read all the small-print for you. Epic.


The Scottish Government has announced it will be extending the Help to Buy (Scotland): Affordable New Build scheme for a further two years.

Help to Buy Scotland is set out to help first time buyers and home-movers purchase a new build home.The scheme helps people to buy new-build homes without the need for large deposits. The Scottish Government will put forward up to 15% deposit of the purchase price of a new build home.


With Mother’s Day approaching, we reflect on the importance of mothers in our lives, yet a high percentage of them maybe financially unprotected.

According to a Scottish Widows’ survey of 5,077 adults in the UK, 60% of women with a dependent child have no life insurance.


4 Myths of Critical Illness Cover… Dispelled

4 Myths of Critical Illness Cover

Critical Illness Cover is designed to pay out a lump sum or regular payment to ease your recovery if the worst was to happen and you are diagnosed with a serious illness specified in your policy.


Posted by on in Insurance

Life Insurance can be confusing especially with the different jargon that gets used. All you want to do is make sure you've setup the right cover for you and your family. Our blog sets out to answer some of those most asked questions about life insurance.

  1. What types of cover can I get?

    • Level Cover
      • This means the amount of cover and the premium you pay is fixed when your plan starts, and doesn’t change.
    • Decreasing Cover
      • This type of cover is designed to cover the reducing amount on a capital and interest repayment mortgage. The amount of cover will go down each month, but the premium you pay is fixed when your plan starts and never changes.
    • Joint or Single Cover
      • You can choose to take out a plan that covers just yourself, or your spouse, civil partner or someone you share a financial commitment with.
  1. What’s the difference between level cover and decreasing cover?

    Level life cover provides the same amount of cover throughout the term of the policy. For example, if you chose £150,000 over the next 30 years and died in the last year, you’d get the full £150,000.