Mortgage Protection
Cover your mortgage repayments if you die or are diagnosed with a critical illness, ensuring your family keeps the family home no matter what.
Life is unpredictable. We arrange whole-of-market personal protection, from life cover and critical illness insurance to income protection and mortgage protection, ensuring you and your family are covered no matter what happens.
The protection insurance you need depends on your mortgage, your income and who relies on you, but most people consider life cover, critical illness cover, income protection or mortgage protection. Each pays out in different circumstances, so the right mix protects your family and home if you die, fall ill or cannot work.
Most people insure their car and their home, but far fewer protect their most valuable asset, their ability to earn and provide for their family. We make sure the right policies are in place so a difficult time doesn't become a financial crisis too.
Provides a tax-free lump sum to your family or beneficiaries, replacing lost income and clearing debts such as your mortgage. Read more about life insurance and whole-of-life cover.
A lump sum paid if you're diagnosed with a specified serious condition, giving you financial breathing room to focus on recovery. See our guide to critical illness cover.
If illness or injury stops you working, income protection pays a monthly benefit, typically 60% to 70% of your earnings, until you return to work. Fracture cover can sit alongside it.
Ensures your mortgage is paid if you die or are diagnosed with a critical illness, so your family keeps the family home. Family income benefit pays a regular income instead of a lump sum.
The protection you need depends on your mortgage, your income and who relies on you, as everyone's circumstances are different. Here are the most common protection scenarios we help clients with every day.
Cover your mortgage repayments if you die or are diagnosed with a critical illness, ensuring your family keeps the family home no matter what.
Provide a lump sum to protect your family's financial future, covering everyday living costs, childcare, education and more.
Replace 60% to 70% of your income if you're unable to work due to illness or injury. Longer-term and more comprehensive than PPI.
Receive a tax-free lump sum on diagnosis of a covered condition, cancer, heart attack, stroke and many more serious illnesses.
Cover reduces in line with your outstanding mortgage balance, a cost-effective way to ensure your mortgage is cleared if you die.
A fixed sum assured throughout the policy term, ideal for family protection where you need consistent cover regardless of your mortgage balance.
We review your income, outgoings, mortgage, family situation and any existing policies to understand what protection you actually need.
We search our whole-of-market panel of insurers to identify the most suitable policies at the most competitive premiums.
We present a clear recommendation, explaining what each policy covers, what it costs, and why we've chosen it for you.
We handle the application process on your behalf, liaising with underwriters on any medical questions to get the best possible terms.
Once accepted, your policy is in force and you're protected. We review your cover periodically as your circumstances change.
Life insurance pays out on death, providing a lump sum to your beneficiaries. Critical illness cover pays out on diagnosis of a specified serious illness (such as cancer, heart attack or stroke) while you are still alive. Many clients hold both policies together for comprehensive protection.
No, income protection is far more comprehensive and long-term than PPI. Income protection typically pays 60% to 70% of your salary for the duration of your inability to work (potentially until retirement), whereas PPI was a short-term product often tied to a specific loan or credit product.
Yes, some insurers specialise in non-standard cases and pre-existing conditions. Premiums may be higher or certain conditions may be excluded, but cover is often available. As whole-of-market brokers, we know which insurers take the most favourable view of different conditions.
A common rule of thumb is 10 times your annual salary plus your outstanding mortgage balance. However, the right amount depends on your personal circumstances, your income, debts, dependants and future financial obligations. We'll assess your specific needs and make a tailored recommendation.
Statistically, 1 in 2 people in the UK will be diagnosed with cancer during their lifetime. Critical illness cover provides a tax-free lump sum at the most financially vulnerable moment, helping you pay off your mortgage, fund private treatment or simply cover living costs while you recover.
Most reputable life and protection insurers pay between 97% and 99% of claims. We only recommend established, highly-rated providers with strong claims records, so that when you need to claim, your policy pays out as expected.
Most people only think about protection when something has happened to a friend or family member. We think about it before that. Here is how we approach yours.
We translate the jargon immediately. Term, sum assured, deferred period, own occupation, indexation. You leave the conversation knowing what cover you have, why, and exactly what it does in a claim.
Whole-of-market access to UK insurers, with policies written into trust where appropriate so the payout reaches your family quickly and without inheritance tax complications.
Income changes. Mortgages change. Children arrive. Businesses grow. We review your protection on a structured cycle so the cover keeps pace with the life you are actually living.
Two minutes to check whether your life cover, income protection, and critical illness cover are actually fit for purpose.
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Why families in Bexleyheath should consider life insurance when taking on a mortgage, and the different types of cover available through a whole-of-market broker.
Financial wellbeing as a genuine employee benefit. Mortgage advice, protection guidance and financial education delivered to your team by TMC's specialist advisers.