Insurance
We help homeowners, families, the self-employed and businesses put life cover, income protection, critical illness cover and buildings and contents insurance in place, often alongside a mortgage. That includes people an insurer has declined, postponed or offered cover only with a higher premium or an exclusion.
Read more about Buildings and Contents Insurance, Home Cover for MortgagesBuildings and Contents Insurance, Home Cover for Mortgages
Buildings and contents insurance: rebuild cost or market value, the cover your mortgage lender needs, flood risk, listed and non-standard homes, and renewals.
Critical Illness Declined, Exclusions and Alternatives
Critical illness cover when declined: why it is refused when life cover is accepted, exclusions, severity-based cover and income protection as an alternative.
Family Income Benefit, Life Cover Paying a Monthly Income
Family income benefit: life insurance that pays your family a monthly income to the end of the term, how it pays out, what it costs, indexation and trusts.
Income Protection Insurance, Deferred Periods and Sick Pay
Income protection pays a monthly income if illness or injury stops you working: deferred periods, own occupation, 2026 sick pay, self-employed and directors.
Key Person Insurance, Keyman Cover and Tax Treatment
Key person insurance protects a business against losing someone it relies on: sizing cover on lost profit, loan protection, tax treatment and related cover.
Life Insurance When Declined, Refused or Postponed Cover
Life insurance when declined: why insurers refuse or postpone, loadings and exclusions, specialist underwriting, over-50s plans and your disclosure rights.
Nothing here matches that. Try fewer words.
Explore related mortgage pages
MortgageRead more about Residential MortgagesResidential Mortgages
Explore residential property mortgage options for first-time buyers, home movers and homeowners remortgaging. Compare the criteria lenders use to assess a residential property loan.
Self-Employed Mortgages, Sole Traders, Directors and CIS
Self-employed mortgages for sole traders, partners, directors, contractors and CIS workers: how lenders read each income, the documents and one year's accounts.
MortgageRead more about Commercial MortgagesCommercial Mortgages
We offer mortgage solutions for commercial properties. We can assist all commercial property types for investment and owner occupation.
Talk it through with an adviser
Twenty minutes on the phone is usually enough to tell you what is realistic.