Protection That Keeps Your Home and Family Secure
Your mortgage is likely to be the largest commitment you ever make. We help you put the right cover in place, so the people who rely on you can keep their home and their plans on track if illness, injury or the unexpected gets in the way.
Planning for the Things You Would Rather Not Think About
Most people insure their car, their phone and their holidays without a second thought, yet leave their income and their home unprotected. That gap only shows up when something goes wrong, and by then it is too late to fix.
Protection is not about expecting the worst. It is about making sure a serious illness, an accident or a death in the family does not also become a financial crisis. The right cover can clear or reduce a mortgage, replace lost income while you recover, or simply give your family time to adjust without money worries.
We look at protection alongside your mortgage, not as an afterthought. If you are buying a home, remortgaging or taking on new borrowing, it is the natural moment to check that your cover still matches what you owe and who depends on you.
Cover for Every Stage of Life
Life Insurance
Critical Illness Cover
Income Protection
Buildings and Contents Insurance
Protection Built Around How You Actually Earn
If you are self-employed, a company director or a contractor, there is no employer sick pay or death in service benefit to fall back on. That makes protection more important, and it also makes it more complicated, because insurers look closely at how your income is made up.
As the sister company of Futurewise Accountancy, we understand dividends, retained profits and fluctuating earnings. We can help you work out a realistic level of cover based on what you actually take from your business, so you are neither underinsured nor paying for cover you could never claim in full.
For company directors, some types of cover can be arranged and paid for through the business. Whether that suits you depends on your wider tax position, so we will involve Futurewise Accountancy or your own accountant before you decide.
Futurewise Finance does not give tax advice; tax advice is provided separately by Futurewise Accountancy or your own accountant.
Clear Advice, No Pressure
We start by understanding your mortgage, your income, your family and any cover you already have, including workplace benefits. We then recommend the type, amount and length of cover that fits, explain the main exclusions and conditions in plain English, and help you complete the application.
Insurers ask detailed health and lifestyle questions. We help you answer them fully and accurately, because a policy is only as good as the information it was based on.
We are [INSURANCE DISTRIBUTION PERMISSIONS: e.g. “authorised to advise on protection insurance from a panel of leading UK insurers”]. [CONFIRM WHETHER GENERAL INSURANCE (BUILDINGS AND CONTENTS) IS ARRANGED DIRECTLY OR VIA A REFERRAL PARTNER.]
Explore more of what we offer
Residential Mortgages
Commercial Finance
Working With Us Remotely
Free initial consultation
A short call or video meeting to understand what you want to achieve and what your finances look like.
Online meetings
Talk to your adviser by video or phone at a time that suits you, including [EVENINGS / WEEKENDS, CONFIRM].
Secure document upload
Send payslips, bank statements and accounts through our encrypted portal the moment you have them.
Electronic ID verification
Confirm your identity online in minutes.
E-signatures
Sign your paperwork digitally, from your phone if you like.