FAQS

It depends on your mortgage balance, living expenses, and whether you want to cover additional costs like childcare or education. We can help you calculate the right level of cover based on your circumstances.

Critical illness cover pays a tax-free lump sum if you're diagnosed with a serious illness covered by the policy (like cancer, stroke, or heart attack), helping with mortgage payments and living costs during recovery.

Level term provides a fixed payout during the policy term, while decreasing term reduces over time—usually in line with a repayment mortgage.

No. Life insurance pays out on death, while critical illness pays out on diagnosis of a qualifying condition—helping you financially while you're still alive.

No. Each policy has a specific list of covered conditions and definitions. We’ll guide you through the details to ensure you're fully informed.

Income protection provides monthly payments if you're unable to work due to illness or injury. It helps cover your mortgage, bills, and living expenses while you're off work.

No. Income protection provides ongoing payments during illness or injury, while critical illness pays a one-off lump sum for specific serious conditions.

Policies can pay out for a set term (e.g., 2 years) or until you return to work or retire. You can choose the length that suits your needs and budget.

Landlord insurance protects rental properties from risks such as fire, flood, theft, or tenant damage. It can also cover loss of rent and liability claims.

While not a legal requirement, many buy-to-let mortgage lenders will require it, and it's essential protection for your investment.