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Life Insurance and Family Protection Advisor in Essex
Straightforward, whole of market advice for landlords and property investors
Honest Protection Advice That Puts Your Family First
I’m Ian Smith, a mortgage and protection advisor with over 25 years of experience. I work with clients across Essex who want to protect their homes, families and income. Whether you’re a first-time buyer, a self-employed professional, or someone planning for the future, I’ll help you understand the right protection options without confusing terms or unnecessary upselling.
Life Insurance Options Tailored to You
Term Life Insurance to Cover Your Mortgage
Whole of Life Insurance for Long-Term Planning
Joint Life Cover for Couples
Term life cover is one of the most popular options for homeowners. It pays out a lump sum if you pass away during the policy term. Many people use it to ensure the mortgage is paid off, leaving the family with financial security.
This type of life insurance stays in place for your entire life and guarantees a payout. It can be used to support loved ones, help with funeral costs or cover inheritance planning.
If you share financial responsibilities with a partner, joint life insurance can offer peace of mind. I’ll help you decide whether a joint or single policy is best for your situation.
Critical Illness Cover That Works When You Need It Most
A serious illness can impact your income, savings and long-term plans. Critical illness cover pays a lump sum if you’re diagnosed with a specified condition such as cancer, heart attack or stroke. This money can help with treatment costs, mortgage payments or just taking time off to recover.
Income Protection That Keeps You Covered
If you’re off work due to illness or injury, income protection ensures you still have money coming in. It’s especially valuable for self-employed people or households that rely on one income. I’ll help you choose a policy that fits your earnings and lifestyle.
Why Choose Me as Your Protection Advisor
Over 25 years of experience in mortgages and protection
Fully independent, whole-of-market advice
Support with all types of personal and family protection
Clear explanations and no-pressure guidance
Local and personal service tailored to your life
Appointments by phone or video
Why Choose Me as Your Protection Advisor
You should consider protection if you:
- Are buying or already own a home
- Have children or dependants who rely on your income
- Are self-employed or run your own business
- Want to reduce financial stress in difficult times
- Have no backup income if you’re unable to work
What to Expect When You Work with Me
Book a free chat or call
We’ll talk through your family, home and financial goals
I’ll assess any cover you already have
You’ll receive clear options tailored to your needs
If you’re happy, we go ahead with setting up your policy
Common Questions About Life Insurance and Protection
Do I need life insurance to get a mortgage?
It’s not mandatory, but it’s highly recommended to protect your family and home.
What’s the difference between income protection and critical illness cover?
Income protection provides regular payments if you can’t work. Critical illness cover pays a lump sum if you’re diagnosed with a serious illness.
Can I get cover if I have a medical condition?
Yes. Many providers accept applications with pre-existing conditions. I can help you find the right one.
Is joint life insurance cheaper than two single policies?
Sometimes, but not always. I’ll explain the differences and help you choose the right fit.
Let's secure your family's future today.
If you’re looking for advice that fits your life and budget, I’m here to help. Whether you’re taking out a mortgage, starting a family or simply want to be prepared, I’ll help you get the protection you need.
Book a call online or ring me on 01708 535 946 to book your free consultation
Clarity Wealth Management LLP is authorised and regulated by the Financial Conduct Authority.
No: 575252
Registered in England and Wales as a limited liability partnership. No: 0C371189
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Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.
FCA regulated
Registration No. 575252
