SERVICES
Life Insurance & Family Protection
Straightforward, whole of market advice to protect your home, income and family
Honest Protection Advice That Puts Your Family First
If something happened to you, would your family be able to stay in the home and keep everything running? That’s what protection is really there for.
I work with clients across the UK to make sure their mortgage, income and family are properly protected. Whether you’re a first-time buyer, self-employed, or planning ahead, I’ll explain your options clearly, without jargon or unnecessary upselling.
What Clients Say About Working With Me
⭐⭐⭐⭐⭐
“I was recommended Clarity Mortgages by a friend who had taken out a life assurance policy. Ian was very helpful and clearly knew what he was talking about. He took the time to go through everything as many times as I needed so I fully understood my options. I’m very happy with the policy we arranged and would happily recommend him to anyone looking for similar advice.”
⭐⭐⭐⭐⭐
“Couldn’t have asked for anything more from Ian. He made the process very easy and stress-free, made us feel valued, and we really appreciated the advice and knowledge he provided.”
Life Insurance Options Tailored to You
Term Life Insurance for Your Mortgage
Joint life cover for your family
Whole of life insurance for planning
Cover designed to protect your mortgage over a set period, helping ensure your home is secure.
Cover for couples on a single policy, providing financial support for your family when it’s needed most.
Lifelong cover that can support long-term financial planning, including estate planning or leaving a legacy
It’s also worth considering other types of protection alongside life insurance, such as critical illness cover and income protection. These can provide additional financial support if you’re unable to work or become seriously ill.
You can find out more about these options here:
6 reasons To Choose Me as Your Protection Advisor
1) Clear, honest advice
Straightforward guidance to help you understand your options without jargon or pressure.
2) Whole-of-market access
Fully independent, whole-of-market advice
3) Plans tailored to your needs
Recommendations based on your personal circumstances, family situation and budget.
4) Support through the process
Help with applications, underwriting and any medical questions from start to finish.
5) Simple, clear options
Clear comparisons so you can choose the right cover with confidence.
6) Flexible appointments
Phone, Teams or video calls available, so you can arrange everything at a time that suits you.
When should you consider protection?
You should consider putting protection in place 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
- Would struggle financially if you were unable to work
What to Expect When You Work with Me
Book a free chat
Arrange a phone, Teams or video call at a time that suits you.
Talk through your needs
We’ll discuss your family, home, income and long-term goals.
Review existing cover
I’ll check any protection you already have and whether it still fits your needs.
Compare suitable options
You’ll receive clear recommendations tailored to your circumstances and budget.
Set up your policy
If you’re happy to proceed, I’ll help arrange your cover and handle the application.
Ongoing support
I’ll be here to review your cover if your circumstances change in the future.
Common Questions About Life Insurance and Protection
Do I need life insurance to get a mortgage?
No, life assurance isn’t a legal requirement for a mortgage. However, many people choose to put cover in place to protect their home and family in case something happens.
What’s the difference between income protection and critical illness cover?
Income protection pays a regular monthly income if you’re unable to work due to illness or injury. Critical illness cover pays a one-off lump sum if you’re diagnosed with a specified serious condition.
Can I get cover if I have a medical condition?
In many cases, yes. Your options may depend on the condition and its severity, but there are insurers who specialise in covering people with existing health conditions.
Is joint life insurance cheaper than two single policies?
Joint policies can be cheaper, but they usually pay out once on the first death and then end. Two single policies cost more but provide two separate payouts, which can offer greater protection
Let’s secure your family’s future
If you’re looking for advice that fits your life and your 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 put the right protection in place.
Book a call online or call me on 01708 535 946 to book your free consultation