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. You’ll then be asked to confirm your intention to proceed with your protection review at the bottom of the page.
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.
To move forward click below to complete a short questionnaire. You’ll be asked about:
📝 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.
We know this page presents a lot to consider — because it matters.
Everything above is designed to help you understand the seriousness of these risks and how easy it is to do something about them. Declining even a basic review means turning away from that understanding. That’s why most clients find it hard to justify.
This isn’t just about you — it’s about those who depend on you. Declining a review means knowingly leaving your future, and theirs, without a plan.
So, ask yourself: is that really a decision you’re comfortable making?
If you are absolutely certain:
⚠️ This confirms you’ve received advice, been presented with your options, and have chosen not to move forward. This decision will be recorded and not routinely revisited unless requested by you.
Status Mortgage Services is a trading style of Status Financial Services Limited
(Company number 08983516) which is an appointed representative of the Openwork Partnership, a trading style of Openwork Limited which his authorised and regulated by the Financial Conduct Authority.
Status Mortgage Services is registered in England & Wales no. 08983516. Registered Office at 12, Schooner Walk, Upnor, Rochester, Kent, ME2 4GZ .
The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers in the UK.
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Approved by The Openwork Partnership on 30/01/2024
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