We help individuals, families and businesses protect their income, their assets and the people who depend on them. Life cover, income protection, critical illness, business protection, group schemes and SME employee benefits, always part of the bigger picture.
Most people protect their car. Their boiler. Their phone.
But ask them what would happen to their mortgage, their family or their business if they couldn't work, and the answer is usually a long pause.
Protection is the part of the financial plan that nobody wants to think about, and the part that matters most when something goes wrong. We make it a natural part of every conversation, not a sales add-on at the end of one.
From individual cover to whole-business arrangements. Each panel links through to the deeper page.
Life insurance, income protection, critical illness cover. The products that exist to make sure that if something happens to you, the people and the financial commitments you care about are still standing. We take the time to understand your situation properly before we recommend anything.
Learn about personal protection →If a key person in your business became seriously ill or died, what would happen to the company? Shareholder protection, key person insurance and relevant life policies exist to answer that question before it becomes a crisis. We work with business owners to make sure the right cover is in place.
Learn about business protection →Group life, group income protection and private medical insurance for businesses that want to offer their people more than a salary. We work with employers to structure group schemes that are both meaningful to employees and commercially sensible.
Learn about group insurance →For businesses that want to go further, offering employees access to mortgage advice, protection guidance and financial education as part of a broader wellbeing package. We work as an external partner, delivering financial wellbeing that feels like a natural extension of your HR function.
Learn about SME benefits →It sounds blunt. But it's true. A boiler breakdown gets a call to a plumber within hours. The financial consequences of a serious illness, a death or a loss of income get thought about, if at all, years too late.
We're not here to sell fear. We're here to make sure that what you've built, and the people you've built it for, are properly looked after if the unexpected happens.
That conversation is always worth having. It's never as uncomfortable as people expect.
TMC works with businesses of all sizes who want to offer their employees something genuinely useful, access to specialist mortgage advice, protection guidance and financial education, delivered professionally and as part of a structured employee benefits package. We act as an external financial wellbeing partner. Your employees get expert, impartial advice. You get a benefit that matters.
The protection side of the financial plan most people defer until they need it. These guides explain what each cover does and when it earns its place.
Important. Insurance products described on this page are regulated by the Financial Conduct Authority and fall under the Insurance Distribution Directive. Cover is subject to individual underwriting and policy terms. Health conditions, occupation and lifestyle factors affect eligibility and premium. Specific product information appears on the dedicated service pages. The Mortgage Consultancy is directly authorised by the Financial Conduct Authority.