Protection
Protect the mortgage. Protect the life around it.
A mortgage is usually the largest commitment most people take on — protection is about making sure your mortgage and your family are covered if things don't go to plan. We look at your circumstances and explain the options in plain English.
Why protection and mortgages go together
A mortgage is a significant commitment, often for 25 years or more. Protection exists to ensure it stays manageable if your income, health or family circumstances change unexpectedly.
Life insurance can clear the mortgage balance (or provide funds to your family) if you die during the term. Critical illness cover can provide a lump sum to pay down the mortgage, cover care costs or simply take the financial pressure off while you recover. Income protection replaces part of your income if you’re unable to work — often the most overlooked of the three, despite being the most statistically likely to be needed.
Protection isn’t only relevant when you take out a new mortgage. It’s worth reviewing at any stage, whether that’s alongside a remortgage, a house move or a change in your circumstances.
Explore your options
Ask Murphy
Not sure where to start with protection?
Murphy can explain life insurance, critical illness cover and income protection in plain terms and help you think through which types of cover matter most for your situation.
Handled by AI — all protection recommendations are made by a qualified adviser.