Existing personal or workplace arrangements
Protection advice
A calm review of what is already in place, and what matters now.
Protection conversations without scare tactics, pressure or assumptions about what you need.
Request a protection review conversation
Calm adviceClear preparation.
Careful consideration.
Careful consideration.
A proper starting point
Understand first. Consider changes second.
A useful protection conversation can start by understanding what arrangements you already have, who or what you want to protect and whether your circumstances have changed.
No conclusion about suitability should be reached before a proper review. Where further advice may be appropriate, the recommendation would consider your needs, priorities, budget, existing arrangements and relevant product features and limitations.
What the review can cover
A review may consider
The exact information, evidence and questions depend on your individual position. This list is general guidance rather than personal advice.
Mortgage and other financial commitments
Family responsibilities and financial dependants
Employment, self-employment or business ownership
Changes in health, income or circumstances
Budget, priorities and what is important to you
Worth considering
Important approach
No single factor determines suitability or availability. The full circumstances need to be understood together.
- No suggestion that you are underinsured before review
- No promise of cheaper or better cover
- No assumption that existing arrangements should be replaced
- Any recommendation follows full fact-finding and assessment
Common questions
Clear answers to useful starting questions.
These answers are general and should not be treated as personal mortgage or protection advice.
Is a review the same as advice?
No. An initial review conversation can help establish the position. Personal advice or a recommendation would require the appropriate full process.
Will I be expected to change my cover?
No. The first step is understanding what exists and whether any further consideration may be useful.
Can protection be discussed separately from a mortgage?
Yes. A protection review can be considered as a separate conversation, depending on your circumstances.
A conversation, before a commitment
Choose a convenient time to talk.
Book a discovery call to explain what you are considering. Any personal recommendation would follow an appropriate full review of your needs and circumstances.
Primary contact
Book a discovery call
Choose an available time online for an initial 30-minute conversation.
View live availabilityBooking an initial call does not constitute personal advice.Your home may be repossessed if you do not keep up repayments on your mortgage.