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, which could force 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
Protection services, grouped the same way as our menu.
Personal protection, business protection, and general insurance each solve different problems. This page now follows the same structure as the main navigation, so it is easier to find the right type of cover.
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 your mortgage balance
- Joint or single life policies
Critical Illness Insurance
Pays a tax-free lump sum on diagnosis of a specified serious condition, including 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 Protection
Pays a monthly income if you're unable to work due to illness or injury. Unlike critical illness insurance, which pays a lump sum on diagnosis, income protection supports your ongoing mortgage and household costs while you are off work.
- Short-term and long-term policies
- Up to 70% of gross income replaced
- Self-employed options available
Accident Protection
Focused cover for accident-related inability to work, helping keep mortgage payments and essential outgoings covered if a sudden injury stops your income unexpectedly.
- Short-term income support after an accident
- Useful where sick pay is limited
- Designed around your monthly commitments
Payment Protection Insurance
Short-term cover designed to help with mortgage or credit repayments if illness, accident, or loss of work affects your ability to keep up with monthly commitments.
- Supports committed monthly repayments
- Useful for short-term financial shocks
- Best assessed alongside broader income protection
Business Protection
Relevant Life Cover
A tax-efficient life policy for company directors and employees. Set up by the employer, with the payout going to the employee's family, it is often a more efficient alternative to personal cover.
- Premiums paid by the company
- Often tax-efficient for directors
- Held under trust for beneficiaries
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
Partnership Protection
Specifically structured for business partnerships to ensure 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
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
General Insurance
£195,000 paid out. Mortgage cleared. Family stayed in their home.
Mr P. 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 real question isn't what it costs. It's what it would cost you 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.
Book Initial ConsultationExample costs only. Actual premiums depend on your age, health, occupation, and level of cover. We will give you exact figures at no obligation.
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, yet you are statistically more likely to claim on it 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 cover, it is not limited to specific diagnosed conditions. It pays out for any illness or injury that prevents you from working.
Your initial consultation carries no fee for most clients. For protection products, we are paid by commission from the insurer when a policy is taken out, so most clients pay no adviser fee at all. 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 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.
No-obligation review · Broad provider panel · Tailored protection advice