Property & Personal Protection
Property & Personal Protection
Your mortgage is a big commitment — but protecting your home, income, and loved ones is just as important. We offer a full range of protection products to give you peace of mind, whatever life brings.
Life Cover
Life insurance ensures your loved ones are financially secure if the worst happens.
Types of Life Cover:
- Level Term Assurance – Pays a fixed lump sum if you pass away during the policy term.
- Decreasing Term Assurance – Ideal for covering a repayment mortgage; the payout reduces as your mortgage balance decreases.
- Whole of Life Cover – Provides lifelong protection with a guaranteed payout.
Ancillary Benefits:
Many life insurance policies include additional features such as:
- Terminal Illness Cover
- Access to Virtual GP Services
- Mental Health Support
- Second Medical Opinion – Get expert confirmation and guidance on diagnoses and treatment plans for peace of mind.
Critical Illness Cover
Critical illness cover pays a lump sum if you’re diagnosed with a serious illness such as cancer, heart attack, or stroke.
Why It’s Important:
This is a complex product with many variations across the market, including different definitions of illnesses and optional benefits. Choosing the right policy requires expert knowledge and advice to ensure you and your family are properly protected.
Income Protection
If illness or injury stops you from working, income protection replaces part of your income:
- Short-Term Cover – Pays out for a limited period (e.g., 1–2 years).
- Long-Term Cover – Continues until you return to work or reach retirement age.
Bespoke Money Ltd is registered in England and Wales with Registration No. 10507268. Registered Office: 4 Cantelupe Mews Cantelupe Road East Grinstead RH19 3BG. Bespoke Money Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.