Prepare for your Protection Consultation

🛡️ Your Protection Review – The Next Step in Your Mortgage Journey

Now that your mortgage application is with the lender, it’s time to focus on your protection review — a key part of you and your family’s financial planning and long-term wellbeing.

Its purpose is to help you consider what would happen if life took an unexpected turn — and ensure you and your loved ones are protected. Your protection review is a standard part of our advice process and helps ensure everything is in place to support your home, income, and family.

It’s also a regulatory requirement — the Financial Conduct Authority (FCA) expects advisers to raise these risks. The state may offer some support, but it’s often not enough to avoid real financial hardship. Private protection policies remain the most effective way to maintain financial security when life doesn’t go to plan.

Before you move forward, please take a few moments to carefully read the information below. It’s designed to help you understand the importance of protection and the risks of leaving things to chance.

🧭 Hoping for the Best Isn’t a Strategy — But Preparing for the Worst Is

Take a short moment to genuinely reflect on this:

If an accident or serious illness left you unable to work again, how would you — or those who depend on you — cope financially?

And if the worst happened and you died, are you certain that those you’ve left behind could cope with the financial consequences?

If — like most people — you’re not completely confident that you or your family would be financially secure in these circumstances, then you need a protection review.

📊 For perspective, click here or refer to your Personal Risk Report to understand the real likelihood of experiencing serious illness, long-term sickness, or even death during your mortgage term.

🎥 For a real-life example of why this matters, watch this short video.

We speak from experience. Since our establishment in 2004, we’ve helped many clients face these exact situations — and guided them through claims thanks to the protection they had in place. And we don’t just advise on protection — we believe in it. Every member of our team has taken out policies to protect their own families too, because we trust the process and follow the same advice we give you.

🛠️ Why Most Clients Choose Protection — And Why It’s Easier Than You Think

💷 It’s not expensive – we tailor cover to your budget
If protection were free, everyone would take every policy available. We understand cost matters — that’s why we only recommend what you can afford.
🎯 It’s tailored – you only pay for what’s relevant to you
Many people think they already have adequate cover through work or existing policies. The reality is what exists is limited, outdated, or not what they think it is. We help identify any shortfalls and make sure the right protection is in place.
📟 It’s easy – we do the research and admin for you
We handle the paperwork, research, and recommendations — all you need to do is answer a few short questions.
🛡️ It works – and we’ll support you if you ever need to claim
We hope you’ll never need it — but if life takes a turn, protection can be the difference between financial stability and serious hardship.

✅ What Happens Next — Trigger Your Protection Review

To move forward click below to complete a short questionnaire. You’ll be asked about:

Any existing insurance policies
Any pre-existing health issues
What sick pay benefits your employer provides

📝 Please gather this information before starting — it makes the process quicker and more accurate.

💡 If you’re unsure what cover you already have in place, you’ll have the option to authorise us to contact your insurer directly as part of the questionnaire. You may need your policy number, usually found on your direct debit or payment reference.

This opens your Health & Protection Questionnaire and moves you into the next stage of advice.

👉 Start My Protection Review

Prepare for your Protection Consultation

🛡️ Your Protection Review – The Next Step in Your Mortgage Journey

🧭 Hoping for the Best Isn’t a Strategy — But Preparing for the Worst Is

🛠️ Why Most Clients Choose Protection — And Why It’s Easier Than You Think

✅ What Happens Next — Trigger Your Protection Review

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