Protection that is suitable for you.

Our mortgage and protection advisers will tailor a personal insurance plan to your needs and circumstances at no extra charge. We take into account existing cover, including employee benefits if applicable in order for you to have the most suitable protection possible.


What’s your emergency plan? Do you want to make sure that if something were to happen, the mortgage would be cleared and there is an ongoing income in case of death? We can help with this.

The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained then cover will lapse.


If you contracted a condition that is considered critical, it’s likely your priorities have changed. You might welcome the opportunity to take some time off from work while also receiving much-needed medical treatment and other costs such as home alterations or holidays of a lifetime!

Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document if you go ahead with a plan.


Are you prepared for a long-term illness or injury that could stop your work? What happens if the worst were to happen and you didn’t receive any sick pay from your employer, how would this affect not only yourself but also those who depend on income such as children and spouses?

Income protection plans that have no investment link have no cash in value at any time and will cease at the end of the term. If you stop paying your premiums your cover may end.


This is similar to income protection but the cover amount and term are usually restricted. Can be ideal for clients who have riskier occupations where it turns out that Income Protection isn’t as cost-effective.


You may have been wondering how you would manage financially if your income was cut off. Rest assured, short-term cover is available to help with the transition from one job to another.


If you die without having written up a valid Will for yourself then that means no one is really in charge of what happens with your assets and when people are at their most vulnerable – which can lead to some very bad things happening such as not being able to provide food or shelter on an ongoing basis for his/her children.

See the laws in intestacy here. We can recommend a Will Specialist if required (for which we may receive a fee). 

Will writing is not regulated by the Financial Conduct Authority.


Really professional company. Lee & Nikki dealt with everything and maintained communications throughout. Would definitely recommend. Thanks.

We have used Lee to move twice and for multiple mortgages at the end of fixed deals. He and his team have always been amazing. Thank you so much!

Lee gave us excellent service and advice all the way through the process, communication was always good. Many thanks!

Please note

You are now departing from the regulated site of Guest Independent Mortgage Advice Ltd. Guest Independent Mortgage Advice Ltd is not responsible for any content created and published solely by a third party outside our regulated site.

Click here to see what may happen if you die without a valid will.