Tailored Insurance Advice for Individuals, Families & Businesses
At SpecialistMortgagesPro.co.uk, we don’t just help you secure property finance—we help you protect it. Whether you’re safeguarding your family’s future or building a financial safety net for your business, we provide expert guidance and access to a full range of personal and business protection insurance solutions.
From income protection insurance for self-employed individuals to key person cover for SMEs, our advisors tailor the right policy to your needs—because peace of mind should never be one-size-fits-all.
Our personal insurance solutions are designed to give individuals and families financial security if the unexpected happens.
Income protection insurance provides a monthly payout to cover your essential bills and lifestyle until you’re fit to work again. Especially valuable for: Self-employed professionals and freelancers Contractors with no employer sick pay Employees who want more than basic cover We help you choose the right deferment period, benefit amount, and policy length to suit your financial situation.
A critical illness diagnosis can impact your health, income, and family support. Critical illness cover pays a tax-free lump sum if you’re diagnosed with a major condition like cancer, heart attack, or stroke. It helps with expenses such as mortgage payments, medical care, or time off work. Ideal for self-employed individuals, business owners, or those without sick pay. Choose standalone cover or combine it with life insurance for complete protection.
Your mortgage is likely your biggest financial commitment. Life insurance for mortgage protection ensures your loved ones won’t be burdened with monthly payments if you were to pass away. We match you with policies that: Pay off your remaining mortgage balance Offer decreasing term cover aligned with your mortgage term Can include critical illness cover for extra protection Ideal for: First-time buyers, homeowners, joint mortgage holders
An often-overlooked form of cover, family income benefit pays your loved ones a tax-free monthly income rather than a lump sum if you die during the policy term. It’s a simple, budget-friendly way to ensure financial stability for your children or partner, especially if they rely on your income. Benefits include: Lower premiums than traditional life cover Predictable monthly payouts for everyday living Peace of mind for young families
Business owners and directors face unique risks that go beyond personal insurance. Our specialist business protection insurance helps secure your company’s continuity, key personnel, and financial stability. From shareholder protection to key person cover, we tailor solutions to safeguard your operations and future growth. Protect your business with confidence and clarity.
Your business likely depends on a few key people whose loss could disrupt operations or revenue. Key person insurance provides a lump sum payout if a vital employee, director, or shareholder dies or becomes critically ill. This helps cover: Lost profits Temporary staffing or recruitment Loan repayments tied to that individual Essential for: SMEs, start-ups, family businesses
In the event of a business partner’s death, shareholder protection ensures the remaining owners can buy out their shares—preventing external parties or family members from taking control. This policy: Preserves business continuity Supports clear succession planning Can be funded through life insurance policies held in trust We help structure the policy and trust arrangements with legal clarity and tax efficiency in mind.
If your business has outstanding loans, overdrafts, or director’s loan accounts, business loan protection insurance pays off those debts if a key individual dies or becomes critically ill. Many lenders prefer or even require this kind of cover to reduce risk.
Whether you’re protecting your income, your loved ones, or your business’s future, we simplify the insurance process and deliver reliable policies you can trust.
Key questions answered about Personal & Business Insurance Solutions
Critical Illness policies typically cover conditions like: Cancer Heart attack Stroke Multiple sclerosis Organ failure and more Each provider has a detailed list. We’ll show you what’s included and make sure your policy meets your expectation
That depends on what you’re protecting. If it’s for your family, we’ll look at your mortgage, income, debts, and future expenses. For business owners, cover may need to match loans, key staff responsibilities, or shareholder value. We’ll guide you through a quick review to recommend the right level and duration ...
Yes. Many businesses insure contractors if their absence would impact operations. As a contractor yourself, you may also benefit from personal income protection or critical illness cover.
It’s not legally required but strongly recommended. Mortgage life cover ensures your debt is paid off if you pass away—providing vital peace of mind.
Even with savings, income protection ensures long-term financial stability. It covers extended periods of illness or injury and prevents you from draining emergency funds.
We’re here to help—get in touch today for a fast response and expert mortgage and insurance support!
Pleasure to share some of our case studies.
James and Tom co-owned a successful web design agency. When Tom suddenly passed away, James feared losing control of the business. Thanks to their shareholder ...
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We make protecting your future simple. Whether you're planning for your family, your business, or both,
our advisors are ready to help you get the cover you need—without the hard sell.