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Insurance
Life is full of what-ifs and planning ahead gives reassurance that your loved ones and your lifestyle will be secure if the unexpected happens. At Aspect Mortgages we offer independent advice across a wide range of protection products so you can choose what truly suits you.
What Is Protection Insurance?
Insurance is more than a financial product. It is a way of making sure that if the unexpected happens, you and the people closest to you are not left without support. Whether it is covering the cost of a mortgage, replacing an income, or ensuring family members can carry on with everyday life, the right protection plan can make all the difference.
At Aspect Mortgages we provide independent advice across a full range of insurance options. We listen to your needs, explain your choices in clear language, and recommend cover that is practical, affordable, and suitable for your circumstances.
Our Insurance Services
Life Insurance
Life insurance pays a lump sum to your loved ones if you pass away during the term of the policy. It can help repay a mortgage, support family members, or cover other essential costs. We help you choose cover that fits your priorities and your budget, making sure the amount and structure of the policy matches your goals so that you know your family is cared for.
Critical Illness Insurance
Critical illness cover provides a payout if you are diagnosed with a serious medical condition such as cancer, stroke, or heart attack. This money can cover treatment costs, household bills, or other financial commitments. We explain the different policies on offer, how they work, and what conditions are covered, so you can choose the one that gives you the right level of protection.
Family Income Benefit
Family income benefit provides a regular monthly income, rather than a lump sum, if you pass away during the policy term. This helps your family cover everyday expenses such as mortgage payments, food, utilities, and school costs. We recommend this option when ongoing stability is important for those left behind, giving them predictable financial support when they need it most.
Income Protection
Income protection ensures you still receive a monthly income if illness or injury prevents you from working. It can cover everyday expenses and mortgage payments while you recover. Whether you are employed, self-employed, or a contractor, we find policies that suit your profession, your lifestyle, and your income level. We explain the waiting periods, cover levels, and terms so that you know exactly what to expect.
Executive Income Protection
Executive income protection is designed for business owners, directors, and key employees. The business pays the premiums, and If health issues prevent you from working the policy provides regular income. This can be a tax-efficient way to protect higher earnings and maintain financial stability. We help you understand how it works, set it up correctly, and ensure the cover is flexible enough to adapt as your role or company grows.
Business Protection And Relevant Life Cover
Relevant life insurance is a type of business-paid cover that provides personal protection for directors or employees, ensuring your family is safeguarded. We make sure the policy is correctly written in trust, compliant with regulations, and suited to your long-term planning. This type of cover can be cost effective while giving personal reassurance to you and your family.
Why Choose Aspect Mortgages For Protection
Independent Access
We are not tied to any insurer. This means we search across a wide range of providers to find the cover that best fits your needs rather than a product that suits a single company.Advice That Puts Clients First
We do not set sales targets. Our focus is on service and trust, which is why many of our clients return to us whenever their needs change.Flexible Cover For Different Life Stages
Your needs evolve when you buy a home, start a family, grow a business, or prepare for later life. We review your cover regularly so it continues to match your responsibilities and goalsClear Guidance From Start To Finish
We explain how each type of cover works, what it costs, and what it provides. Every step is managed in partnership with you, so you feel supported and never pressured.
What Our Clients Say About Aspect Mortgages
Get the right advice — and the confidence that comes with it
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Fees
There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £495 for a residential/buy to let mortgage or £1495 for an equity release/retirement mortgage.
Important Information
Aspect Mortgages Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 305352. The FCA do not regulate Business Buy to Let Mortgages or Estate Planning.
As independent advisers we have access to the whole market, except for deals that you can only obtain by going direct to a lender. Registered in England and Wales No: 051013801. 16 St Thomas' Road, Chorley, PR7 1HR.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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