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Insurance and Protection

1 in 8 men aged 30-49 and 1 in 12 women aged 30-49 in the UK may die before they reach 65 (source: Government Actuary's Department - Interim Life Tables based on data for the years 2004-2006)

Consider for yourself: Why you are buying in the first place? Is it for the financial security of you and your family? Should something happen, could you or your partner afford to keep up the payments on your mortgage over the typical 25 year period? If not, then taking a mortgage without any protection insurance can leave any potential beneficiaries in an impossible state of affairs. Even homeless, should the mortgage lender decide to repossess the home, should repayments not be met.

Should the worst happen, say from either a Critical Illness or untimely death, where should your priorities be? The last thing needed, would be to worry about how to pay the mortgage, or bills that continue to come through your letterbox.

The Insurance and Protection market is competitive as ever and the insurance companies make ever frequent changes in premium charges, to stay competitive.  We will provide you with the latest and most up-to-date illustrations, by using our 'on-line' technology. Our Assurance policies are also extensive and can repay your mortgage liability on your death or the diagnosis of a Critical Illness.

  • Life Assurance -  is the most essential form of life insurance and is the cheapest to insure your life. It covers you for a fixed period and pays out a one-off-lump sum if you die during the policy's term.

Who is it for? 

It is designed for anyone who, in the event of their death, want to leave a lump sum within a specified time period. Term Assurance can aid in protecting your family financially in the event of your death, which is essential if you have young children or dependents. It can be used to help cover a mortgage, other loans or ensure your family is protected from the effects of repaying a debt after the main wage earner has passed.

This is not a savings or investment product, so it has no cash value unless a valid claim is made

  • Critical Illness - Critical illness cover is designed to pay out a lump sum on death or on the diagnosis of one of the specified critical illnesses during the term of the policy. Who is it for? 

Who is it for?

This type of cover is designed for individuals or families who are looking to financially protect their family, mortgage or a business with a lump sum if they meet the definition of one of the specified critical illnesses. This lump sum could be used to help repay a loan, mortgage or pay for time off work or medical treatment. The lump sum could even be used for any necessary alterations to your home.

The critical illnesses covered include heart-attack, cancer and stroke. However, some types of cancer are not included and to make a claim for some illnesses, you need to have permanent symptoms

  • Income Protection -  is designed to protect an individual's income in the event of being unable to work due to illness or disability and is available if you are either employed or self-employed. There are big differences between the providers/policies in the percentage of an individuals income that they will pay out. The policy can start paying out after a pre determined deferred period which will differ from individual to individual depending on access to reserve capital and the benefits provided by the employer if applicable. The payout period can be for a limited number of months/years or for the term of the mortgage. Also it is important to appreciate that the cover will be either in own occupation status or working tasks. It is important to receive comprehensive advice to ensure the right policy is taken out.

Who is it for?

Designed for anyone working (including self-employed clients). Your employer is legally obliged to provide sick pay for up to 28 weeks, so you can wish to consider ongoing protection. An Income Protection Benefit policy can be adapted to fit in with any existing protection you might have.

This is not a savings or investment product and has no cash value unless a valid claim is made.

Disclaimer: It does not include unemployment cover, and therefore will not pay out if you become unemployment

This can pay your monthly mortgage commitment in the event of loss of earnings

The Mortgage Files is an appointed representative of Julian Harris Mortgages Limited, Julian Harris House, Musgrove, Ashford, Kent, TN23 7UN, which is authorised and regulated by the Financial Conduct Authority. Julian Harris Mortgages Limited FCA Register number is 304155.

Think Carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients.  Full details of the FOS can be found on its website at