Life Insurance · Income Protection · Business Cover
The mortgage is arranged.
Now protect it.
Life changes without warning. The right protection means your home, your income, and your family are safe — whatever happens. Vsure Financial arranges every type of personal and business protection.
Think about this
What happens to your mortgage if…
…you died unexpectedly?
Without life insurance, the outstanding mortgage balance becomes part of your estate — potentially forcing your family to sell the home to repay it. Life insurance pays off the mortgage immediately.
Life Insurance…you were too ill to work for a year?
Statutory sick pay is £116 per week. Most employer sick pay schemes run for 3–6 months. Income protection replaces your salary for as long as you're unable to work — right up to retirement age if necessary.
Income Protection…you were diagnosed with cancer?
1 in 2 people will develop cancer at some point in their lives. Critical illness insurance pays a tax-free lump sum on diagnosis — enough to clear the mortgage, fund treatment, or replace income during recovery.
Critical Illness CoverWhat we arrange
Complete protection. Personal and business.
We arrange every type of personal and business protection — across a broad provider panel, explained clearly, and always in plain English.
Personal Protection
Life Insurance
Pays a lump sum to your family if you die during the policy term — providing enough to clear the mortgage and replace lost income. Available as level term, decreasing term, or whole of life.
- Level term — fixed payout throughout
- Decreasing term — mirrors mortgage balance
- Joint or single life policies
Critical Illness Cover
Pays a tax-free lump sum on diagnosis of a specified serious condition — cancer, heart attack, stroke, and many others. Provides financial support while you're still alive, unlike life insurance which pays on death.
- 50+ conditions typically covered
- Often combined with life insurance
- Children's cover often included
Income & Accident Protection
Pays a monthly income if you're unable to work due to illness or injury. Unlike critical illness (which pays a lump sum on diagnosis), income protection pays out for as long as you can't work — in some cases to retirement.
- Short-term and long-term policies
- Up to 70% of gross income replaced
- Self-employed options available
Home & Contents Insurance
Buildings and contents insurance arranged properly — not the cheapest policy, but the right level of cover for your property, its rebuild value, and everything inside it. Essential if you have a mortgage.
- Buildings, contents, or combined
- Accidental damage and away-from-home
- High-value items specified correctly
Relevant Life Plan
A tax-efficient life insurance policy for company directors and employees — set up by the employer, but the payout goes to the employee's family. The premiums are a business expense, making this significantly more cost-effective than personal life insurance.
- Premiums paid by the company
- Not counted as a P11D benefit
- Held in a discretionary trust
Buy to Let Protection
Landlord insurance, rent guarantee, and legal expenses cover — protecting your investment property and rental income against voids, tenant default, and unexpected repair costs.
- Rent guarantee for up to 12+ months
- Legal expenses for eviction proceedings
- Buildings cover for investment properties
Business Protection
Business Protection
What would happen to your business if a director or key employee died or became seriously ill? Business protection ensures the company can survive the loss of its most important people — and that families are protected too.
- Key person insurance
- Shareholder / partnership protection
- Business loan protection
Key Person Insurance
If your business lost its most important person tomorrow, could it survive? Key person insurance pays a lump sum to the business on the death or critical illness of a key employee — providing funds to recruit, restructure, or repay debts.
- Protects against lost revenue and profit
- Covers key employees and directors
- Premium can be corporation tax deductible
Shareholder Protection
Ensures surviving shareholders can buy the shares of a deceased or critically ill co-owner — keeping control of the business within the existing team and protecting the deceased's family with a fair cash value for their shareholding.
- Prevents shares passing to outside parties
- Funded by a cross-option agreement
- Works for limited companies and partnerships
Partnership Protection
Specifically structured for business partnerships — ensures surviving partners can purchase the share of a deceased or incapacitated partner, keeping the business operational and protecting all parties' families.
- Structured via a partnership agreement
- Each partner insures the others
- Protects business continuity
Limited Company Protection
Relevant life plans, key person insurance, and shareholder protection — all structured specifically for limited companies and their directors. Efficient, tax-aware, and coordinated by a single adviser.
- Relevant life plans (tax-efficient death in service)
- Director life and critical illness
- Group schemes for growing teams
£195,000 paid out. Mortgage cleared. Family stayed in their home.
Mr Patel was diagnosed with a serious illness 18 months after arranging critical illness cover through Vsure. The policy paid out a £195,000 tax-free lump sum — clearing the mortgage entirely. The family did not have to sell their home, touch their savings, or face financial uncertainty during his recovery.
This is what protection is for. Not a box-ticking exercise. Not a product to be sold. A genuine safety net for the moment life goes wrong.
The most common question
How much does protection actually cost?
Far less than most people expect. A healthy 30-year-old can arrange £200,000 of life insurance for less than the cost of a coffee per day. Critical illness cover costs more — but the question isn't what it costs. The question is what it would cost if you didn't have it.
Vinod reviews a broad panel of protection providers — just as he does for mortgages. That means comparing dozens of providers, their definitions, their exclusions, and their claims records — not just their headline premium.
Get a free protection quoteIndicative premiums only. Actual cost depends on age, health, occupation, and cover amount. Vinod will provide exact figures based on your circumstances.
Common questions
Protection questions, answered plainly.
You are not legally required to have life insurance to get a mortgage, but it is strongly advisable. If you died during the mortgage term, the outstanding balance would need to be repaid — potentially from your estate, which could force the sale of the property. Life insurance ensures your family can stay in their home. We always recommend discussing life insurance at the same time as arranging a mortgage.
Life insurance pays on death. Critical illness cover pays a lump sum if you are diagnosed with one of a specified list of serious conditions while you are still alive. Many policies combine both types of cover. Critical illness is often overlooked — but you are statistically more likely to claim on critical illness cover than on life insurance during a typical mortgage term.
Income protection pays a monthly income — typically up to 70% of your gross salary — if you cannot work due to illness or injury. It continues paying until you return to work, or until the end of the policy term (which can run to retirement age). Unlike critical illness, it covers any illness or injury that prevents you working — not just specific diagnosed conditions.
Your initial consultation is completely free. For protection products, we are paid by commission from the insurer when a policy is taken out — meaning most clients pay no adviser fee. In some cases involving complex business protection arrangements, an advice fee may apply; if so, this is always disclosed and agreed in writing before any work begins.
A relevant life plan is a life insurance policy arranged by an employer for an employee (including a director). The premiums are paid by the company and treated as a business expense for tax purposes. The payout goes directly to the employee's family via a discretionary trust. It is particularly tax-efficient for higher-earning employees and company directors who have exceeded their pension lifetime allowance.
Don't leave your family exposed.
A free protection review with Vinod takes 20 minutes. You'll know exactly what you're covered for, what gaps exist, and what it would cost to close them. No pressure to buy anything.
Free, no-obligation review · Broad provider panel · FCA regulated