As with all insurance policies, conditions and exclusions will apply. The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.
Your mortgage is probably the largest financial commitment you'll ever make. Protecting it, and the family who depend on the income that pays it, is one of the most important conversations we'll have with you. At AB Mortgages we compare protection from a panel of leading UK insurers. That means honest, tailored advice on life insurance, critical illness cover, income protection and family income benefit. Never a one-size-fits-all sales pitch.
The cheapest policy is rarely the right one. Different insurers cover different conditions, with very different definitions and claim track records.
Life cover left outside trust gets dragged through probate, can attract inheritance tax, and can take months to reach the family who actually need it.
Death-in-service and group income protection end the day you leave the employer, and almost never cover critical illness. Useful, rarely enough on their own.
We quote across our panel of leading UK insurers, comparing cover and price side by side, not just price.
Writing a life policy in trust is free on any policy, and we help you set it up as standard. The payout goes straight to your beneficiaries, outside your estate, without inheritance tax delays or probate.
Cover that doesn't disappear when you change jobs, plus the right combination of critical illness and income protection to fill what employer policies don't.
What you earn, how stable it is, what would happen if it stopped tomorrow. The cover sits on top of this number.
Dependents, debts, ages of children, joint or single life. The shape of the policy reflects who actually needs to be protected.
Existing conditions, family medical history, lifestyle. Different insurers price the same person very differently. We find the right underwriter for you.
Bespoke structures for high-value assets and non-standard income streams.
Specialist mortgage advice tailored to company directors and the self-employed.
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Fast-tracked capital for property developers and professional investors.
Protection is where our senior team has spent careers. Honest advice, proper cover analysis, no high-pressure sales pitch, just the right policy for your situation.
Ideally alongside your mortgage application, but it's never too late. Cover gets more expensive and harder to qualify for as you age and as health conditions develop. The best policy is the one you put in place today; the second best is the one you put in place tomorrow.
Rarely. Most employer death-in-service policies pay 2 to 4 times salary as a lump sum. Helpful, but it doesn't replace ongoing income, ends the day you leave the employer, and usually doesn't cover critical illness.
Not necessarily. Insurers vary widely in how they price common conditions like diabetes, mental health history, raised BMI or family medical history. Some load the premium, some exclude specific conditions, some accept on standard terms. A whole-of-market broker finds the underwriter that fits.
A common rule of thumb is enough to clear the mortgage, plus replacement income for your dependents until they reach financial independence. We'll model it specifically against your real numbers rather than guess at it.
Almost always, yes. Putting a life or critical illness policy in trust means the payout goes directly to your beneficiaries, outside your estate, free of inheritance tax delays. Writing a policy in trust is free on any policy, and we help you set it up as part of our advice process.
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