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Whatever life throws at you Mortgage Superheroes has access to a wide range of products to help mitigate the impact to you and your family.

We are protection experts and can ensure you have the right protection cover whatever your stage of life.  Once one of our professional advisers has identified your needs, we can access the whole of the protection market and recommend products such as Life Insurance, Critical Illness cover, Family Income Benefit, Income Protection, Buildings & Contents cover, Business Protection.

Life Insurance

Making sure your loved ones are financially secure should you die unexpectedly is a prudent step. Research shows 1 in 10 men and 1 in 6 women  will die before the age of 65 *.  Life Cover will give those you leave behind a tax-free lump sum to help pay off any outstanding mortgage and/or maintain their lifestyle.

Every life insurance policy is individually underwritten meaning that the price we give you after full medical disclosure and underwriting is the price you will pay.

Critical Illness Insurance

This can be taken out in conjunction with Life cover or as a standalone product.  1 in 5 of us will get a critical illness in our lifetime**. Critical Illness Insurance will pay out a lump sum if you are diagnosed with a critical illness (as defined by the policy). This type of insurance will cover a range of illnesses and conditions (some insurers will cover you for 40+ illnesses).

The importance of critical illness cover is that the insurance pays out on diagnosis.  You may get cured from the illness at a later date due to technological advances but you will still keep the lump sum paid out.

The most commonly claimed critical illnesses are: Cancer, Heart Attack, Stroke, Children’s Critical Illness and Multiple Sclerosis. Cancer Research now states that 1 in 2 of us will get some form of cancer in our lifetime, so why wouldn’t you want to cover yourself for Critical Illness?

Income Protection

If you were sick or injured and unable to work how long would your employer continue to pay you?  Six months? A month?  Statutory Sick Pay currently only pays £116.75 per week, for a maximum of 28 weeks.  And what if you’re self-employed?

Income Protection insurance will give you a regular tax-free income should you find yourself unable to work, either permanently or temporarily for any valid reason specified in the policy.

Typically, these payments pay out a monthly benefit of between 60%-70% of your basic salary (or your latest accounts if self employed).  Once you are able to return to work, these payments will cease; however, cover (and premiums) will usually continue, meaning that most policies of this type allow for multiple claims.

Family Income Benefit

Most families rely on at least one regular monthly salary to cover their household spending. How would your household cope financially if you lost a source of income either due to death or a critical illness?  Similar to Income Protection, a family income benefit policy will pay out a monthly tax-free income if you die or become critically ill during the term, until the policy ends.

Buildings and Contents (Home Insurance)

Buildings insurance cover protects the structure (the fixtures and fittings in your home), whilst Contents insurance covers your belongings.  So rather than just auto-renew your policy why not speak with a broker first?

Business Protection and Commercial Insurance (referral basis only)

There are various types of business protection, this includes relevant life, shareholder protection, group protection, group income protection and executive income protection. All this can be complicated and getting the right business protection can benefit your company in a number of ways, such as tax benefits attached to business protection.

Liability insurance for commercial properties is essential. You need to have adequate cover to protect your assets and defend any claims made against you by the general public for negligence.

Mortgage Superheroes can refer you to experts within this field who can discuss your needs and ensure you have adequate cover.

Let Mortgage Superheroes help give you peace of mind over your future financial security by contacting us today!

* Statista, based on age-specific death rate per 1,000 population in the United Kingdom in 2021.
** IPipeline, based on Institute and Faculty of Actuaries’ Continuous Mortality Investigation and IPipeline quote data as of 18/04/2024.
Mortgage Superheroes Ltd. is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA no. 923911. Registered in England and Wales no. 09390697. Registered address: 16 Broadway, Sheerness, ME12 1AF.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

Third party links – you will depart from the regulated site of Mortgage Superheroes Ltd who are not responsible for the accuracy or the content within the non-regulated site.

There may be a fee for mortgage advice. The precise amount will depend on your circumstances but typically this will be £495.

Some forms of Buy to Let mortgage are not regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on your mortgage or any loan secured on it.