Mortgage Life Insurance Specialists in Coventry & Warwickshire

Life insurance is a financial safety net that helps cover your mortgage or support your loved ones if you pass away or become too ill to work. It ensures your home and family are financially secure, even if you’re no longer around to provide for them.

Whether required by a mortgage lender or simply a smart step for peace of mind, life and protection policies give you the reassurance that your biggest financial commitments won’t fall on your family’s shoulders.

Most lenders strongly recommend it, and some require a basic level of life cover to ensure the mortgage will be paid if something happens to you, but the real reason to have protection in place isn’t just the mortgage - It’s the people who depend on you.

If you have a standard repayment mortgage, your balance goes down over time — meaning a decreasing term policy is often the most cost-effective way to protect it. To figure out exactly which policy matches your specific lending structure, you can speak with a whole-of-market insurance advisor here in Coventry for unbiased guidance.

Life insurance

Pays out a lump sum if you die during the policy term

Critical illness cover

Pays out if you’re diagnosed with a serious illness like cancer, stroke or heart attack

Income protection

Provides a regular income if you can’t work due to illness or injury

Mortgage protection insurance

Covers your monthly repayments if you're off work

Review any existing cover to see if it still fits your needs

Explain your options clearly, without jargon or pushy sales tactics

Match you with providers that suit your health, job, and mortgage

Handle all the paperwork, quotes, and applications on your behalf

Ensure you’re not overpaying or under-protected

Questions you might be asking

No, it isn't legally required to get a mortgage, but most lenders highly recommend it to ensure your family isn't left with a debt they can't afford.

You are completely free to shop around! Buying through an independent whole-of-market broker like Jigsaw Independent often secures much lower premiums than going directly through a high-street bank.

Your policy can often be moved or adjusted to match your new loan amount and term. Our team can review your existing cover for free to ensure it still fits.

If your income stopped tomorrow, how long could your household manage? Protection helps you plan for the ‘what-ifs’ so your home and family are secure.

Typically, life insurance is the minimum recommendation. But depending on your circumstances, we may also suggest critical illness cover or income protection.

It depends on your age, health, mortgage amount, and type of policy. Some basic life insurance policies can start from just a few pounds a month.

We’ll offer a free policy review to check if your current cover is still suitable. A lot changes when you move home, get married, or have children, and old policies may no longer match your needs.

How can we help you?

Know your budget

Get a quick estimate of your buying power based on your income and budget.

Get mortgage in principle

Secure a lender-backed agreement to strengthen your offer on a property.

See your monthly payments

See what your monthly payments could look like with our easy mortgage calculator.

Find out what you can afford in minutes

Get clarity before you start house hunting

Understanding what you can realistically afford is the first step towards a stress-free home-buying journey. Our affordability tool gives you a quick, realistic estimate of how much you may be able to borrow, based on your income, outgoings, and deposit.

A quick check, with no impact on your credit score

The tool is completely free to use, takes just a couple of minutes, and won’t affect your credit score — so you can explore your options with confidence and no pressure.

Plan with confidence, whatever your next step

Whether you’re a first-time buyer, moving home, or simply exploring what’s possible, this check helps you set a clear budget, focus on the right properties, and avoid unwelcome surprises later on.

Mortgage life insurance experts in Coventry & Warwickshire

Rate match guarantee

You won't find a better deal anywhere else and if you do we will pay the difference!

Why do you need mortgage life insurance?

What does life insurance protect?

Do you need life insurance for a mortgage?

Choosing the right protection for your needs