The mortgage secures the house. This secures everything else.
Life cover, critical illness and income protection, advised properly rather than bolted on at the end of a mortgage. An honest look at what would happen to your plans if your income stopped, and what it costs to fix the gaps that matter. No scare stories.
Book a conversation Already have policies? A review often finds cover that no longer fits how you earn.The three covers, in plain English
Life cover
Pays a lump sum if you die during the term. For most families the job is simple: clear the mortgage, keep the household running. The right amount and term depend on your mortgage, your dependants and what you already have in place.
Critical illness cover
Pays a lump sum if you’re diagnosed with one of the serious conditions defined in the policy. Definitions matter more than headlines; two policies at the same price can pay out very differently. This is where advice earns its keep.
Income protection
Replaces part of your income if illness or injury stops you working. If you’re self-employed or a director on a low salary and dividends, how the policy defines your income decides what a claim pays. Set up correctly, it’s the policy that protects all the others.
Cover is subject to terms, conditions, and underwriting. Premiums may vary depending on individual circumstances.
Why complex income changes the conversation
If your income is salary plus dividends, retained profit, bonus-heavy or drawn from a portfolio, an off-the-shelf policy quoted on “salary” can quietly under-insure you. We work through how you actually earn, then match definitions and amounts to it. It’s the same discipline as the mortgage work, applied to the downside.
No client fee for protection advice
We’re paid commission by the insurer if a policy is put in place, and we’ll always tell you what we’re recommending and why in writing.
Three steps, no pressure
Tell us how you earn and who depends on it
The health questionnaire takes a few minutes and is handled confidentially. Start the questionnaire
We review what you have and what’s missing
Existing policies included. Sometimes the answer is “you’re fine”.
Clear recommendations in writing
You decide. No pressure, no expiry-date urgency.
Worth an honest conversation?
Book a conversationCompany directors: your company can often arrange cover differently, and sometimes more efficiently, than you can personally. That conversation has its own page — Business protection for directors.
Your home may be repossessed if you do not keep up repayments on your mortgage. CiK Financial Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority.