Research shows that while 72% of couples say it’s important to plan financially for illness, only 14% have a formal plan in place. Even more concerning, 25% haven’t considered the financial impact of ill health at all, and only 21% have life cover or a plan if their partner dies.

As a mortgage and protection adviser, I often see clients who focus entirely on finding the right mortgage rate, but forget to protect the very income that pays for it.

Why Protection Matters

Your mortgage is likely your biggest financial commitment. If illness, injury, or worse prevents you from working, mortgage payments don’t stop. The right life insurance, income protection, or critical illness cover can:

• Cover monthly mortgage payments if you can’t work
• Provide a lump sum if you’re diagnosed with a serious illness
• Ensure your partner or family can stay in the home if the worst happens

Even a short-term loss of income can put your family under serious financial stress.

Affordable Protection Options

Protection doesn’t have to break the bank. Many people are surprised at how affordable tailored cover can be — especially when compared to the potential cost of being unable to work for even a few months.

Whether you’re a first-time buyer, remortgaging, or buying your next home, now is the perfect time to make sure your mortgage is backed by the right protection.

In Summary

Your mortgage protects your home. Protection insurance protects everything else — your income, your lifestyle, and your family’s peace of mind.

If you haven’t reviewed your cover recently, get in touch and we can help ensure your protection plan is as strong as your mortgage deal.

Annabelle Bezant, November 2025