Protection & Insurance Advice from Mortgage Advisers gives clients the security they need to protect their homes, income and families. Advisers provide tailored guidance across life insurance, critical illness cover, income protection and general insurance to ensure clients have the right financial safety nets in place. This page explains how mortgage advisers assess needs, recommend suitable protection products and support clients throughout their financial journey.

Comprehensive Protection Services for Mortgage Clients

Mortgage advisers play a crucial role in helping clients understand the risks they face and the financial impact of illness, loss of income or death. Protection advice helps clients maintain their home, look after their family, and stay financially stable if the unexpected happens. Advisers assess each client’s situation and build a personalised protection plan around their budget and priorities.

Protection services include a full review of existing cover, identification of gaps, and recommendations for policies that align with mortgage needs, family responsibilities, and long-term financial goals. This holistic approach helps clients make clear and informed decisions.

Protection Products Advisers Recommend to Clients

Mortgage advisers support clients by arranging a wide range of protection and insurance products. These products ensure essential financial responsibilities can be met even during difficult times.

Life Insurance

Life insurance provides financial support for a client’s family if the client dies during the policy term. Advisers help clients understand the differences between level term, decreasing term and family income benefit, and recommend a policy that aligns with their mortgage and family needs.

Critical Illness Cover

Critical illness cover pays a lump sum if the client is diagnosed with a condition listed in the policy. Advisers guide clients through the definitions, costs and cover levels, helping them choose suitable protection that supports recovery and long-term financial stability.

Income Protection

Income protection replaces a percentage of income if a client becomes unable to work due to illness or injury. Advisers help clients compare options, waiting periods and claim definitions, ensuring the policy meets their financial obligations, including monthly mortgage payments.

Family Income Benefit

This type of cover provides tax-free monthly income to dependants for the policy’s remaining term. Advisers recommend it to clients wanting a cost-effective way to provide ongoing support to their family.

Mortgage Protection Insurance

Mortgage protection insurance is typically a decreasing term policy that pays off the mortgage balance if the borrower dies. Advisers help clients match the cover to the mortgage term and balance.

General Insurance for Homeowners and Landlords

Mortgage advisers also help clients arrange suitable general insurance to protect their property, belongings and rental portfolios.

Home Insurance

Advisers support clients with buildings and contents insurance, ensuring they have comprehensive cover that meets lender requirements and protects their home.

Landlord and Portfolio Insurance

Clients who own rental property benefit from specialist landlord cover. Advisers can help them compare landlord insurance, portfolio landlord insurance and specific products for HMO properties.

For more details on landlord cover, see the Landlord Insurance Guide and the HMO Landlord Insurance Guide.

How Mortgage Advisers Work with Clients

Protection and insurance advice follows a structured process that helps clients understand their risks and make suitable choices. Advisers typically:

• Complete a full fact-find, including lifestyle, income, mortgage and family needs

• Assess current policies and explain any gaps in cover

• Recommend tailored protection solutions based on risk and affordability

• prepare clear comparisons across providers and policies

• support clients through applications, underwriting and policy issues

• carry out regular reviews at remortgage or major life events

This approach ensures every client receives personalised protection advice that supports their mortgage, long-term goals and financial wellbeing.

Why Protection Advice Matters to Clients

Buying a home is one of the biggest financial commitments most clients will ever make. Protection advice ensures that clients, their families and their homes are safeguarded against events that could otherwise cause serious financial hardship.

High-quality protection advice gives clients:

• confidence that their mortgage will be covered if they die

• financial security if diagnosed with a critical illness

• a stable income if injury or illness stops them from working

• clear support during stressful or unexpected life events

• long-term protection that adapts as life changes

Providing this level of support strengthens the client relationship and ensures long-term trust.

Additional Protection Resources

Clients and advisers can explore more detailed guidance in the following resources:

• Landlord Insurance Guide

• HMO Landlord Insurance Guide

• Client Rapport for Mortgage Advisers

• Portfolio Landlord Guide

These guides provide further insight into specific protection and insurance needs across different client types.

Speak to a Mortgage and Protection Adviser

If you are looking for tailored protection and insurance advice, you can speak to a specialist adviser through our main site. A mortgage and protection adviser will help you compare policies, understand your options and build the right protection plan for your needs.

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