Protection advice that starts with your life, not just a policy
Protection is not just about buying insurance.
It is about asking what would happen if life changed unexpectedly.
You may want to protect:
- Your mortgage payments
- Your family’s income
- Your partner or children
- Your household bills
- Your home
- Your ability to stay financially secure if you could not work
- Your family’s future if you were no longer here
The level of cover for you will depend on your circumstances, your budget, your mortgage, your income and what you want the policy to do.
That is why advice can be so valuable.
Rather than leaving you to compare policies on price alone, we can help you understand what each type of cover is designed for and what may fit your needs.
Insurance and protection advice at a glance
Insurance and protection advice can help you understand how to protect your home, income, mortgage and family if something unexpected happens.
This may include life insurance, critical illness cover, income protection, accident, sickness and unemployment cover, and buildings and contents insurance.
The cover for you will depend on your mortgage, income, family circumstances, budget, employment position and what you would want the policy to do if you needed to claim.
Why use an adviser for protection insurance?
Protection can feel confusing because there are several different types of cover and they all do different things.
The cheapest policy is not always the most suitable. The details matter.
A protection adviser can help you understand:
- What type of cover may be suitable
- How much cover you may need
- How long the cover should last
- Whether the policy is designed to protect your mortgage, your income or your family
- What exclusions or limitations may apply
- Whether cover should be level, decreasing or linked to your mortgage
- Whether policies should be placed in trust
- How the application and underwriting process works
- How to balance cover with affordability
The aim is to help you make a clear, informed decision, rather than guessing what you need.
Life Cover: The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
Critical Illness Cover: The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse. The policy may not cover all the definitions of a critical illness. For definitions please refer to the key features and policy document.
Income Protection Cover: The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
For insurance business we offer products from a choice of insurers.
Related insurance and protection advice
If you’re thinking about protecting your home, income or family, you may also find these advice pages helpful.
Protecting your family and mortgage
Protecting your income
Home insurance and mortgage support
Protection services we help you with
Life insurance cover
Life insurance can provide a payout if you die during the policy term.
Many people use life insurance to help protect a mortgage, support a partner or provide financial security for children. The right amount of cover and policy term will depend on your mortgage, family situation and wider financial needs.
We can help you understand the different options, including level cover and decreasing cover, and explain how life insurance could fit alongside your mortgage.
Critical illness cover
Critical illness cover can provide a payout if you are diagnosed with a specified serious illness during the policy term and meet the policy definition.
This could help with mortgage payments, household costs, treatment related expenses, recovery time or adapting your lifestyle after a serious diagnosis.
Policies can vary, so it is important to understand what conditions are covered, how claims are assessed and how the policy works before you apply.
Critical Illness Cover
Income protection insurance
Income protection insurance is designed to provide a regular income if you are unable to work because of illness or injury.
This can be especially important if your household relies on your income to pay the mortgage, bills or everyday living costs.
We can help you understand how income protection works, including deferred periods, benefit amounts, policy terms and how long a claim may pay out for.
Accident, sickness and unemployment cover
Accident, sickness and unemployment cover may provide short term support if you are unable to work due to illness, injury or redundancy.
This type of cover can be useful for people who want help protecting monthly commitments, such as mortgage payments, for a limited period.
We can help you understand how this type of policy works and whether it may be suitable for your circumstances.
Accident, Sickness and Unemployment Cover
Buildings and contents insurance
Buildings and contents insurance can help protect your home and belongings.
Buildings insurance is often required by a mortgage lender when you buy a property, but it is also important to make sure the cover is suitable for your home and circumstances.
We can help you understand what to consider and arrange cover alongside your mortgage if needed.
Buildings and Contents Insurance
Life insurance quotes
If you already know that you want to look at life insurance, we can help you compare options and understand what affects the cost of cover.
The price of life insurance can depend on factors such as your age, health, lifestyle, occupation, amount of cover and policy term.
We can help you look at the options clearly and explain the next steps.
Protection advice for homeowners and families
Many people think about protection when they buy a home, remortgage, move house or start a family.
It can also be worth reviewing your cover if:
- Your mortgage has increased
- You have moved home
- You have had children
- Your income has changed
- You have become self employed
- Your existing policy no longer matches your needs
- Your fixed rate mortgage is ending
- You want to check whether your family would be financially secure
Protection is not something you arrange once and forget forever. As life changes, your cover may need to change too.
Why choose Your Mortgage Expert?
At Your Mortgage Expert, we help clients think about protection as part of the wider mortgage and homeownership journey.
We will not just ask whether you want insurance and leave you to work it out. We can explain the options clearly, help you understand what may be suitable and guide you through the application process.
Clients choose us because we offer:
- Clear advice in plain English
- Help understanding the different types of cover
- Support choosing cover that fits your needs and budget
- Guidance on policy terms, exclusions and underwriting
- Advice alongside your mortgage where appropriate
- A managed process from enquiry through to application
- Friendly advice by phone, video or face to face
We are based in Salisbury and help clients locally and across the UK.
Not sure what protection you need?
You do not need to know the answer before you speak to us.
If you are buying a home, remortgaging, moving house or simply reviewing your family finances, we can help you understand what protection options may be worth considering.
The aim is to help you feel confident that your home, income and family have been properly thought about.
This page was reviewed by our mortgage and protection advice team and last updated in May 2026.