Life and income protection advice in Dorset
The mortgage gets you the house. Protection keeps it if life goes wrong. We size the cover to what would actually need paying, and no more.
Sized right
Cover matched to the mortgage, the household and the gap your income would leave.
Not sold by the pound
More cover is not automatically better. We'll tell you when a cheaper policy does the job.
Reviewed
New house, new child, new job: the cover gets checked whenever the life behind it changes.
What we advise on
Three covers, one honest conversation.
Most households need some blend of these. Very few need all three at maximum. The skill is in the sizing.
Life cover
Pays a lump sum if you die during the term. Usually set to clear the mortgage and give the household breathing room. Decreasing cover tracks the loan down and costs less; level cover stays fixed.
Critical illness cover
Pays a lump sum on diagnosis of a listed serious illness. The lists differ between insurers more than the prices do, which is exactly the kind of small print we read for a living.
Income protection
Replaces part of your income if illness or injury stops you working, until you're back or until retirement if not. For the self-employed, often the most important policy of the three.
Putting policies in trust
A life policy written in trust pays out faster, to the right person, and usually outside the estate for inheritance tax. It costs nothing to set up and is missed surprisingly often.
Reviewing what you already have
Old policies from previous mortgages, cover through work that ends when the job does. We map what you hold against what you need before recommending anything new.
Why sort it with us
Best sorted while the mortgage is fresh.
We already know the numbers
If we arranged the mortgage, the loan, the term and the household budget are already on file. The protection conversation takes half the time.
The market compared
Prices for the same cover vary widely between insurers, and so do the illness definitions behind them. We compare both, and explain the differences in plain English.
Honest about the trade-offs
A tight month is real life. We'd rather you keep a smaller policy that stays in force than cancel a perfect one in year two.
Related
As with all insurance policies, conditions and exclusions will apply.
What would need paying?
That one question sizes the whole thing. A free chat answers it properly.