Mellow FinancialProtection insurance.
Cover for your family, your home and your business if illness or death strikes. We'll work out what you need, and what to put first.
Why it matters
It does happen. Be ready if it does.
Illness and death are uncomfortable subjects, so many people put off cover thinking it will never happen to them. In our experience it does happen, and the financial effect on you and your family can be severe.
With a little care, protection is easy to put in place, and premiums are often less than people expect. What you're really paying for is peace of mind.
Personal protection
Cover for you and your family.
Life cover
A lump sum or income for your family if you die, so the mortgage and bills are taken care of.
Critical illness cover
A lump sum if you're diagnosed with a serious illness covered by the policy.
Income protection
A regular income if you can't work because of illness or injury.
Family protection
Cover built around your children and the people who depend on you.
Buildings and contents
Insurance for your home and everything in it.
Business protection
Cover for business owners.
If a business partner dies or becomes seriously ill, it can put the business, and everyone in it, at risk. We arrange cover so the business and the people who depend on it are protected.
How we work
A clear plan, in order of priority.
We take our time
We look at your debts, liabilities and everything else worth protecting.
A detailed proposal
You get a clear recommendation of what you should ideally cover.
Priorities that fit your budget
If budget is tight, we set out what to cover first.
Questions
Frequently asked.
Do I need life insurance with a mortgage?
It isn't a legal requirement, and most lenders don't insist on it. If anyone depends on your income or would struggle with the mortgage without you, cover is worth considering.
What's the difference between life cover and critical illness cover?
Life cover pays out if you die during the policy. Critical illness cover pays out if you're diagnosed with a serious illness listed in the policy while you're alive.
What is income protection?
It replaces part of your income, usually monthly, if illness or injury stops you working. It keeps paying until you return to work or the policy ends.
How much does protection cost?
It depends on your age, health, smoking status, the amount of cover and how long it runs. Premiums are often lower than people expect.
Speak to Danielle
Danielle Pasha, Protection Adviser
Danielle looks after our protection advice. Book a free initial consultation and she'll talk you through your options.