Protection advice
Protection Advice for Your Family and Income
Protection is about making sure the right money is available if illness, injury or death affects your household. PMS Mortgages advises on life insurance, critical illness cover, income protection and family income benefit. We can help with standard provider trust forms where appropriate. We're not authorised to provide tax advice; you should speak to a tax professional.
Protection options
Personal Protection Advice
We can help review existing cover or arrange new protection alongside a mortgage, remortgage or protection review. Advice can include life insurance, critical illness cover, income protection and family income benefit.
Protection
Life insurance and life assurance advice for mortgage protection, family protection, dependants and policy in trust considerations.
Critical illness cover
Critical illness cover advice for mortgage protection, family protection, children’s cover and wider protection planning.
Children's Critical Illness Cover
Children's critical illness cover explained, including policy options, insurer definitions, family protection and wider critical illness advice.
Family Income Benefit
A regular monthly income for your family, instead of one lump sum.
Income protection
Income protection advice for employed, self-employed and professional clients reviewing monthly benefit, deferred periods and household cover.
Policy In Trust
Guidance on putting suitable life insurance or protection policies into trust, including beneficiaries, provider trust forms and practical next steps.
Not sure which option fits your situation?
Speak directly with an adviser. We will look at your circumstances and explain your options without obligation.
How it works
Starting your protection journey with us
Protection advice is about understanding what would need to be paid for, and making sure the right policy is in place to do it.
- 01
Needs assessment
We look at your family, income, mortgage and any cover you already hold, to work out what would need protecting, for how much and for how long.
A clear picture of the cover you need - 02
Research appropriate insurers
We compare policies from leading UK protection insurers, looking at the definitions, exclusions and options that matter for you as well as the premium.
Suitable insurers shortlisted - 03
Recommendation and application
We explain our recommendation in plain English, including what is and is not covered, and complete the application with you.
Recommendation explained, application submitted - 04
Underwriting and cover on risk
We deal with the insurer's underwriters, including any medical questions or reports, until the policy is accepted and your cover starts.
Your cover is in force - 05
Policy trust forms and review
Where appropriate, we can help you complete standard provider trust forms for a protection policy. We're not authorised to provide tax advice; you should speak to a tax professional. We can also review your cover when your circumstances change, such as a new home, a new baby or a new job.
Cover kept in step with your life
Ready to take the first step?
Your initial consultation is without obligation. Speak with an adviser in Croydon or over Zoom.
Speak to a protection adviser
A short conversation can help identify what you already have, where the gaps may be and which protection options are worth considering.