Life insurance isn’t just a policy—it’s peace of mind. It means knowing that if the unexpected happens, your loved ones will be financially protected. At Aspect Mortgages, we help you find the right cover to suit your needs, whether that’s protecting your mortgage, your family’s future, or both. We’ll explain your options clearly and recommend cover that fits your budget and priorities.

As independent advisors, we can advise and arrange on leading insurers' products to offer flexible and competitive protection plans. Whether you're a first-time buyer, growing your family, or reviewing existing cover, we’ll make sure you have the right protection in place. No pressure, no jargon—just honest advice to help you protect what matters most.

Critical illness cover provides a financial safety net if you're diagnosed with a serious medical condition like cancer, heart attack, or stroke. It’s designed to help you focus on recovery, not bills. At Aspect Mortgages, we’ll help you understand how this cover works and whether it’s the right fit for your circumstances—especially if you have a mortgage or dependants who rely on your income.

As independent advisors, we can advise and arrange on leading insurers' products to offer flexible plans that are tailored to your needs. Whether you're taking out a new mortgage or simply want to review your current protection, our expert, independent advice ensures you get the right level of support. With critical illness cover in place, you can have confidence that your finances are protected—whatever life throws your way.

Family income benefit is a type of life insurance that provides your loved ones with a regular monthly income if you pass away during the policy term. Rather than a lump sum, it offers ongoing financial support to help cover everyday living costs, from mortgage payments to school expenses. At Aspect Mortgages, we’ll help you decide if this simple, affordable protection is the right fit for your family’s needs.

As independent advisors, we can advise and arrange on leading insurers' products to offer flexible and competitive protection plans. It’s an ideal option for parents who want to ensure financial stability for their children if the worst should happen. With clear advice and no pushy sales, we’ll guide you through the process and help you put meaningful protection in place—giving you peace of mind for the future.

If illness or injury stops you from working, how would you cover your mortgage, bills, or everyday expenses? Income protection insurance provides a regular monthly income if you’re unable to work due to health issues—helping you maintain financial stability while you recover. At Aspect Mortgages, we’ll help you understand your options and choose a policy that fits your job, income, and lifestyle.

As independent advisors, we search across a wide range of insurers to find the right cover for your needs. Whether you're self-employed, employed, or have limited sick pay through work, we’ll recommend a tailored solution with clear terms and flexible options. With income protection in place, you can feel confident knowing you’re covered—whatever happens.

Executive Income Protection is one of the most valuable yet overlooked benefits a business can provide for its directors or key employees. If illness or injury stops you from working, this type of cover ensures a regular income continues to be paid — typically through the company — helping maintain your lifestyle and cover essential outgoings like mortgage payments, bills, and family expenses. It’s a smart way to safeguard both personal finances and business continuity.

Because the policy is paid for by the business and treated as a tax-deductible expense, Executive Income Protection is also highly tax-efficient. It offers greater flexibility and higher cover levels than personal income protection, making it especially attractive for limited company directors. If you rely on your income, protecting it isn’t a luxury — it’s essential peace of mind.

Relevant life insurance is a tax-efficient way for business owners and directors to provide life cover through their company. It offers personal protection, like a standard life insurance policy, but is paid for by the business—often resulting in significant tax savings. At Aspect Mortgages, we help business owners set up relevant life cover that protects their families while keeping things financially smart.

Whether you're a limited company director or a high-earning employee, relevant life insurance can be a valuable part of your financial planning. We’ll guide you through the setup, ensure the policy is written in trust, and make sure everything is compliant and tailored to your needs. With expert advice and access to leading insurers, we make it easy to protect your loved ones in a way that’s both efficient and cost-effective.