Protection & Insurance
Protect what matters most - your future.
Life is unpredictable, but with the right protection, you can ensure financial security for yourself and your loved ones.
Planning for Life’s What-Ifs
Protection isn’t just about having a policy — it’s about having peace of mind. At Your Mortgage Mate, we help you plan for life’s uncertainties so you and your loved ones remain financially secure, whatever happens. Whether you’re buying your first home, growing your family, or simply looking to safeguard your income, we’ll make sure you have the right protection in place to support your goals and future plans.
How We Help
We take the time to understand your personal circumstances, financial commitments, and long-term priorities before recommending any protection plan. Our advice covers a wide range of insurance options — from life and critical illness cover to income protection and accident & sickness cover. We’ll clearly explain how each type works, what it covers, and how it fits your budget and lifestyle. With our tailored guidance, you can make informed choices that keep you protected when it matters most.
Helpful Extras
We believe good protection is about more than policies — it’s about building confidence, security, and peace of mind for every stage of life.
Tailored Recommendations
We look at your mortgage, family commitments, and work situation to find suitable cover that matches your lifestyle and priorities.
Flexible
Options
From short-term protection to long-term life cover, we help you mix and match the right solutions for complete peace of mind.
Annual
Reviews
Life changes, and your cover should too. We’ll review your protection regularly to ensure it still meets your needs and circumstances.
Trusted
Providers
We work with a wide range of respected insurance providers, ensuring you get competitive premiums and reliable protection.
Seamless
Process
We handle the paperwork and policy setup for you, making the process simple, transparent, and stress-free.
Comprehensive
Guidance
We’ll explain the differences between policy types, so you understand exactly what you’re covered for — no jargon, no confusion.
Life Cover
Life Cover provides financial security for your loved ones should the unexpected happen. It ensures that your family can maintain stability — covering mortgage payments, daily expenses, or future plans — even if you’re no longer around to provide for them. At Your Mortgage Mate, we help you find affordable, tailored life insurance that suits your needs and gives you lasting peace of mind.
Critical Illness Cover
A serious illness can affect more than just your health — it can also impact your income and financial stability. Critical Illness Cover provides a tax-free lump sum if you’re diagnosed with a covered medical condition such as cancer, heart attack, or stroke. This support helps you focus on recovery, not finances. We’ll guide you through the options available and help you select the right level of cover for your lifestyle and commitments.
Income Protection
If an illness or injury prevents you from working, Income Protection ensures you continue to receive a regular income to cover essential bills and living costs. It offers long-term security by replacing part of your earnings until you return to work, retire, or until the policy ends. We’ll help you choose a plan that reflects your income, employment type, and financial obligations — giving you confidence that you’re covered when life takes an unexpected turn.
Accident & Sickness Cover
Accident & Sickness Cover offers short-term financial protection if you’re temporarily unable to work due to illness or injury. It’s designed to provide quick, practical support during recovery, helping you manage bills and everyday expenses while you get back on your feet. At Your Mortgage Mate, we’ll help you select a policy that complements your income and existing protection, so you’re fully covered for life’s unexpected challenges.
The experts answer
Protection FAQs
Do I really need life insurance if I have no dependents?
Even if you don’t have dependents, life insurance can still be valuable. It can help cover outstanding debts, funeral costs, or leave a financial gift for loved ones. For homeowners, it can also ensure that your mortgage is paid off, protecting your property and estate. We’ll help you decide whether life cover is suitable for your circumstances and explore alternative protection options if not.
Can I combine life and critical illness cover?
Yes, many providers offer policies that combine life cover and critical illness protection into a single plan. This type of policy pays out either on death or diagnosis of a serious illness, depending on the terms. It can often be a cost-effective way to ensure comprehensive protection for you and your family. We’ll help you compare options and understand how a combined policy might fit your needs.
What happens if my income protection claim is approved?
Once approved, your policy will begin to pay out a regular income after an agreed waiting period (known as the deferred period). These payments will continue until you return to work, the policy term ends, or you reach the maximum benefit limit. We’ll help you understand your policy terms in advance so you know exactly what to expect if you ever need to make a claim.
Is it possible to adjust my cover later on?
Yes, protection policies can often be reviewed or adjusted over time — especially after major life changes such as marriage, having children, moving home, or changing jobs. We offer regular reviews to make sure your cover continues to match your lifestyle, income, and financial goals.
Does critical illness cover all medical conditions?
No, critical illness policies cover specific conditions listed by the insurer, such as cancer, heart attack, or stroke. However, the list and definitions can vary between providers. We’ll clearly explain what’s included and help you choose a policy that offers the most relevant and comprehensive protection for you.
When should I take out protection insurance?
The earlier you take out protection, the better — as premiums are often lower when you’re younger and in good health. Setting up cover alongside your mortgage or major life changes ensures you’re protected before the unexpected happens. We’ll help you find the right time and the right level of cover to suit your situation.
Can I review or replace my existing protection policy?
Absolutely. It’s a good idea to review your cover regularly — especially if your circumstances have changed since you first took it out. You may be able to find a policy that offers better benefits, improved terms, or lower premiums. We’ll compare your current protection with the wide range of providers on our panel and advise whether switching or keeping your existing plan is right for you.
What if I already have cover through my employer?
Many employers provide some level of life or income protection, but it’s often limited and may end if you leave your job. We’ll help you review your workplace cover to identify any gaps and, if needed, recommend additional protection to ensure you and your family remain fully supported.