Protection Insurance That Keeps Your Family Financially Secure
Your mortgage is one of your biggest financial commitments. Protection planning helps make sure illness, loss of income, or death does not also put your home and family finances under severe pressure.
We give whole-of-market protection advice alongside your mortgage, with straightforward recommendations based on real needs rather than commission-driven product pushes.
Protection products we advise on
All products sourced whole-of-market. We compare multiple insurers to find the right level of cover at a sensible premium.
Why It Matters
The Safety Net Your Family Deserves
Most people insure their car, their home, and their mobile phone. Far fewer insure their income — the single thing that pays for all of it. If you could not work tomorrow, how long could you maintain your mortgage payments?
The right protection policy means your family does not have to make devastating financial decisions on top of an already devastating situation.
- Your mortgage continues to be paid even if you cannot work
- Your family keeps the home if you die or become critically ill
- You do not drain your savings or rely on state benefits
- Peace of mind for you, and for the people who depend on you
Products Explained
The Four Main Types of Protection
Each product covers a different risk. We will explain which ones make sense for your situation.
Life Insurance
Provides a lump sum payout if you die during the policy term
Mortgage Protection Insurance
Specifically designed to repay your mortgage if you die or become critically ill
Critical Illness Cover
Pays a tax-free lump sum if you are diagnosed with a specified serious illness
Income Protection Insurance
Replaces a portion of your income if you are unable to work due to illness or injury
Getting the Level Right
How Much Cover Do You Need?
There is no single right answer — it depends on your mortgage balance, income, family circumstances, and existing employee benefits. Here is a practical starting framework:
Life & Mortgage Protection
- • At minimum, enough to pay off your outstanding mortgage balance
- • If you have dependants, also consider several years income to replace your earnings
- • Factor in any other debts, childcare costs, or financial goals your family has
Critical Illness Cover
- • Enough to pay off your mortgage is a good starting point
- • Consider additional funds for treatment, home adaptations, or lost income during recovery
- • Check what your employer provides — some group schemes include limited critical illness
Income Protection
- • Typically 50-70% of your gross income
- • Set the deferred period to match how long your employer pays sick pay
- • Self-employed? Start the deferred period as short as possible — day one or week one
Is This You?
Who Needs Protection Insurance?
Homeowners
A mortgage is a long-term financial commitment. Protection ensures it continues to be serviced even when income stops — protecting both your home and your credit history.
Families with Dependants
If other people rely on your income — children, a non-working partner — the financial consequences of something happening to you extend far beyond your mortgage payment.
Single Income Households
When only one person is earning, there is no backup. If that income disappears, the impact is immediate and severe. Protection creates the buffer that makes you resilient.
Self-Employed & Business Owners
No sick pay. No employer group scheme. If you cannot work, your income stops immediately. Income protection is not optional if you are self-employed and have a mortgage to pay.
Buy-to-Let Landlords
A serious illness or death does not just affect your home — it affects your rental income and your ability to service investment mortgages.
First-Time Buyers
Getting onto the property ladder is a significant achievement. Protection ensures that is where you stay, whatever life throws at you.
What About Pre-Existing Conditions?
A pre-existing medical condition does not necessarily mean you cannot get protection insurance. Many insurers will offer cover with an exclusion for the specific condition, or at a higher premium.
We work with specialist insurers who are experienced in dealing with complex medical histories. Some cover is almost always better than none.
"We had been so focused on getting the mortgage sorted that protection was an afterthought. Home Me Mortgages spent time explaining our options properly — no pressure, no upselling. When Tom had to take three months off work last year, the income protection policy they arranged paid out from the fourth week. It covered the mortgage completely."
Sarah & Tom B., Windsor
For a more local view of how we support homeowners and families around our office, visit our Marlow mortgage broker page or our Windsor mortgage broker page.
Why Home Me Mortgages
Protection Advice You Can Trust
Whole-of-market
We compare dozens of insurers — not just a shortlist. Better cover, at a better price, matched to your specific circumstances.
Mortgage & protection specialists
We arrange mortgages and protection together. We understand how the two interact and design cover around your mortgage and income profile.
25+ years experience
We have seen what happens when families do not have appropriate protection. That experience shapes every conversation we have about insurance.
Clear, jargon-free advice
We explain what each product actually does, what it does not cover, and what you are paying for. No jargon. No pressure.
Ongoing support
When a claim needs to be made, we are here. We support clients through the claims process — so you are not navigating it alone.
FCA regulated. Free initial consultation.
Authorised and regulated by the Financial Conduct Authority. Every recommendation is based solely on your needs and circumstances.
Common Questions
Protection Insurance FAQs
What is the difference between life insurance and mortgage protection? +
Is protection insurance compulsory when taking out a mortgage? +
Can I get income protection if I am self-employed? +
What does critical illness cover actually pay for? +
What if I already have protection through work? +
Will a pre-existing medical condition affect my application? +
How much does protection insurance cost? +
Can I have more than one protection policy at the same time? +
What happens when I need to make a claim? +
Your Free Protection Consultation
A free, no-obligation conversation to find out what cover you actually need — and what it costs.
Your free consultation includes:
- A full assessment of your current cover — employer schemes, existing policies, and gaps
- A clear explanation of the products that are relevant to your situation
- Quotes from across the market — not just a handful of insurers
- Guidance on what level of cover makes sense for your income, mortgage, and family
- Transparent advice — including what we would and would not recommend, and why
Or call us on 01628 884 693