Protection

“You’ll always get an unbiased recommendation, we’re not tied to any insurer, so we place your cover with the whole market.”

At Soul Mortgages, we have been providing expert and specialist protection advice to ensure our clients are carefully protected alongside their family, children, employees and more through the use of different protection products. In addition to putting protection products in place to cater to mortgage liabilities, we offer you a range of protection products to give you and your family peace of mind to know that complete protection is available if the unexpected happens.

Our dedicated team will assess your family and financial circumstances and review what you currently have in place, which will allow us to search the insurance market for the best options available to you in meeting your objectives at a fair price

You will always receive an unbiased recommendation from us on the best possible and most suitable cover for your objectives. We are not a tied agent; therefore, we have access to all high-quality insurers on the market. Other than providing you with a quote, we will discuss and explain in depth the benefits, coverage and advantages and disadvantages of each policy we source.

If you are seeking cover greater than £1 million, we can give you the guidance you need to move through all medical and screening processes involved. We will ensure that this is not at a financial cost to you but the insurance provider and will endeavour to make the process as smooth and streamlined as possible.

Whole of market
All major insurers
All sums assured
Cover of every size
Family & business
Personal and corporate
What we arrange
✓Life insurance
✓Critical illness cover
✓Income protection
✓Family income benefit
✓Business protection & relevant life
✓Buildings, contents & general insurance
Protection isn’t a single product, it’s the right mix of cover for your family, your income and your business. We assess what you already have, identify the gaps, and arrange cover that fits.

Speak to a protection adviser →

Protection, your questions answered

Why do I need protection alongside my mortgage?
A mortgage is usually the largest commitment you will take on, and it does not disappear if your income does. Protection makes sure that if you die, fall seriously ill, or cannot work, your family can stay in the home and keep up the repayments. We build cover around your mortgage and wider commitments, not a one-size-fits-all policy.
What types of protection do you arrange?
Life insurance, critical illness cover, income protection, family income benefit and business protection, individually or combined. We recommend the mix that fits your circumstances and budget, and explain in plain English what each one does.
Do I have to take protection through my mortgage lender?
No. Lenders often push their own or a tied provider's policy, which may not be the best value or the right cover. As an independent broker we compare providers across the market and tailor the cover to you.
How much does protection cost?
It depends on your age, health, the cover amount and the type of policy, but it is often far less than people expect, and cover can be arranged in layers to suit your budget. We give you clear quotes and explain exactly what is covered before you commit.
Related services
Residential mortgagesBuy-to-let mortgagesHigh net worth mortgages