Comprehensive Protection

Comprehensive Protection
Life Insurance, Critical Illness, Income, and Mortgage

Protect your family's financial future with our comprehensive protection insurance solutions. From life insurance to income protection, we'll help you find the right coverage to ensure your loved ones are financially secure whatever life brings.

Ask for Advice

Speak with a local expert. No obligation, just friendly advice.

Our Expertise

Comprehensive Protection for Peace of Mind

Protection insurance is about more than just ticking a box – it's about ensuring your family's financial security and your peace of mind. Whether you're a homeowner, parent, or building your career, having the right protection in place means you can face the future with confidence.

We understand that every family's protection needs are different. That's why we take the time to understand your circumstances, explain your options clearly, and help you choose protection that truly fits your life and budget.

From essential mortgage protection to comprehensive family life insurance, critical illness cover, and income protection, we'll guide you through the options and help you build a protection plan that evolves with your life.

Understanding protection insurance
Our Expertise

Complete Protection Solutions

We offer a comprehensive range of protection insurance products designed to safeguard your family's financial future.

Life Insurance

Life Insurance protects your family from financial hardship in the event of your death. You can choose what happens to your money, whether for funeral costs or paying off debt, ensuring your family's financial security.

Mortgage Protection

Mortgage protection pays off your mortgage balance in the event of your death. Essential for homeowners, it ensures your family won't be left with mortgage debt and can continue living in the property.

Critical Illness Cover

This lump sum insurance policy pays out a one-off payment if you are diagnosed with a covered illness. Most payments are tax-free and can be used for treatment costs or paying off your mortgage.

Income Protection

Income protection pays out a percentage of your income if you are unable to work due to injury or illness. It can be linked with employer sick pay to ensure continuous income protection for you and your family.

Your Protection Journey

Our proven 3-step process makes securing comprehensive protection simple, transparent, and tailored to your needs.

01

Free Consultation

Book a call with one of our protection experts and they'll assess your circumstances to understand your protection needs and calculate suitable coverage.

30 mins
02

Tailored Recommendation

Your protection expert will provide you with a comprehensive recommendation for the most suitable protection products for you and your family.

1-2 weeks
03

Ongoing Support

We provide ongoing support to ensure your protection remains suitable for your changing circumstances and help with any claims if needed.

Ongoing
Free Initial Consultation

Ready to Get Started?

Take the first step towards your dream home. Our expert mortgage advisors are here to guide you through every step of the process.

No Obligation Advice
Expert Guidance
Competitive Rates
Fast Processing
5-Star Reviews
FCA Regulated
24/7 Support

Why Choose Home Me?

2500+
Happy Clients
£150M+
Mortgages Secured
20+
Years Experience
4
Football Partnerships

Frequently Asked Questions

Everything you need to know about protection insurance

What types of protection insurance do you offer?
We offer comprehensive protection insurance including Life Insurance, Critical Illness Cover, Income Protection, and Mortgage Protection. Our expert advisors will help you determine which types of protection are most suitable for your individual circumstances and family needs.
How much life insurance do I need?
The amount of life insurance you need depends on your individual circumstances, including your income, debts, dependents, and financial goals. As a general guide, many people choose cover worth 5-10 times their annual income, but our advisors will help calculate the right amount for your specific situation.
What is the difference between life insurance and mortgage protection?
Life insurance pays out a lump sum that can be used for any purpose, while mortgage protection is specifically designed to pay off your mortgage balance. Mortgage protection typically decreases over time in line with your outstanding mortgage balance, whereas life insurance usually maintains a level sum assured.
When do critical illness policies pay out?
Critical illness policies pay out when you are diagnosed with one of the specified conditions covered by your policy, such as cancer, heart attack, or stroke. The exact conditions covered vary between insurers, and our advisors will explain what's included in your policy to ensure it meets your needs.
How does income protection work?
Income protection pays a percentage of your income (typically 50-70%) if you cannot work due to illness or injury. You can choose when payments start (the deferment period) and how long they continue. It can be coordinated with any sick pay from your employer to provide seamless income replacement.
Do I need protection insurance if I have life insurance through work?
Work-based life insurance is often limited (typically 1-4 times salary) and only covers you while employed. Personal protection insurance provides greater control over coverage amounts, continues if you change jobs, and can be tailored to your specific needs. Many people benefit from additional personal cover.
Are protection insurance payouts tax-free?
Most protection insurance payouts are tax-free, including life insurance and critical illness payouts to individuals. Income protection payments may be subject to income tax. However, tax rules can change and depend on individual circumstances, so we recommend seeking specific tax advice for your situation.
Can I get protection insurance if I have pre-existing health conditions?
Yes, it's often possible to get protection insurance with pre-existing health conditions, though terms may vary. Insurers may exclude certain conditions, charge higher premiums, or offer modified terms. Our advisors work with specialist insurers to find suitable cover even for complex health situations.
How much does protection insurance cost?
Protection insurance costs vary based on factors like age, health, lifestyle, coverage amount, and type of policy. The good news is that protection insurance is often more affordable than people expect. Our advisors can provide quotes from multiple insurers to find competitive rates for your needs.
Why should I use Home Me Mortgages for protection insurance?
We provide expert, impartial advice with access to leading insurers across the UK. Our advisors take time to understand your specific needs and find the most suitable and competitively priced protection. We offer ongoing support for policy reviews and assistance with claims when needed.
Free Initial Consultation

Ready to Get Started?

Take the first step towards your dream home. Our expert mortgage advisors are here to guide you through every step of the process.

No Obligation Advice
Expert Guidance
Competitive Rates
Fast Processing
5-Star Reviews
FCA Regulated
24/7 Support

Why Choose Home Me?

2500+
Happy Clients
£150M+
Mortgages Secured
20+
Years Experience
4
Football Partnerships