Working with leading UK insurance providers

What is Mortgage Protection insurance?

Mortgage protection insurance is designed to help protect your family home by providing financial support if you or your partner were to pass away or be diagnosed with a critical illness during the term of your mortgage. As your home is often one of your family’s most valuable assets, this cover can help ensure the remaining mortgage balance is paid off, giving your loved ones the security of staying in their home without the added worry of mortgage repayments.

Most Mortgage Protection policies are set up on a decreasing term basis, meaning the amount of cover reduces over time in line with your outstanding mortgage balance. Because the level of cover decreases as your mortgage reduces, premiums are often lower and more affordable than those of a standard level-term life insurance policy, making it a cost-effective way to protect your home and family.

Benefits

Secures the family home

Prevents the threat of repossession and ensures your family won’t have to struggle with monthly payments or be forced to move during a difficult time.

Cost-effective coverage

Because the coverage decreases as your debt goes down, it is one of the most affordable ways to protect your mortgage.

Comprehensive options

Can be tailored to cover serious illnesses (such as cancer, heart attacks, MS, and strokes), terminal illnesses, or death.

Good to know

It reduces over time

The policy is designed solely to clear your outstanding mortgage debt.

Alternative options exist

While we always recommend protecting a mortgage, a standard, level life insurance policy might be a better overall fit depending on your family's wider financial goals.

Our service is 100% free

We do not charge you a single penny for our expert broker advice. We earn our money through provider commissions.

Get Covered

Answer a few simple questions and book a free consultation with one of our protection specialists.

We'll help you compare a personalised selection of policies and find the cover that's right for you.

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Cover that you can rely on

From an award winning company with access to the UKs best insurance providers to suit your needs and circumstances.

  • Rated 5/5 stars on Google
  • We only work with the best providers in the UK
  • Insurance tailored to your individual needs
  • A friendly UK based customer service team

 

Get Insured

Over 8,000 families protected

How does it work?

Our process is quick and convenient; you can complete everything online or over the phone, wherever and whenever it works best for you. Simply fill out the contact form to get started, and we'll guide you through the next steps to help protect what matters most.

Frequently asked questions

We’ve created a list of the most commonly asked questions regarding global cover. For more frequently asked questions, visit our help and support page.

Speak with an expert

Need further help? Speak with one of our Advisers.

While Mortgage Protection insurance isn’t a legal requirement, it can provide invaluable peace of mind. Your home is often your family’s biggest asset, and the right protection can help ensure your mortgage is taken care of if the unexpected happens, allowing your loved ones to focus on what matters most without the added worry of financial strain.

Depending on the specific policy you choose, Mortgage Protection can cover death and terminal illness. You can also opt to include critical illness cover, which protects you against serious conditions such as cancer, heart attacks, strokes, MS, and disability, and can even include children’s critical illness cover.

A life insurance Adviser represents you, not the insurance providers. At The Protection Parent, we compare cover from leading UK insurers, explain your options in plain English, and recommend the most suitable protection for your circumstances. We handle the research, paperwork, and application process, making it easier for you to put the right protection in place for your family.

Comparison sites compare prices. We help you choose the right protection.

Our Advisers take the time to understand your needs, recommend suitable cover, and guide you through the application process, giving you confidence that your family is properly protected – all at no extra cost.

About Us

Industry Leading Advice

The Protection Parent is an award-winning independent insurance broker dedicated to helping individuals and families across the UK find the right protection for their needs. By working with a wide panel of leading providers, we offer access to a broad range of policies and handle the research, comparison, and application process on our clients’ behalf.

Our goal is to ensure every family has the right level of protection in place, tailored specifically to their individual circumstances, priorities and budget. Taking the time to understand each client’s needs, concerns, and future plans allows us to guide you through every step of the process and ensure your loved ones are properly protected.

 

Learn more about us


Proud to be a multi-award winning Protection firm

Help & Support

Discover our support guides and frequently asked questions for more information on choosing the right insurance.

Speak with an expert

Need further help? Speak with one of our Advisers.

We're here to help

Not sure where to start? Fill out your details and an Adviser will be in touch.

  • Rated 5/5 stars on Google
  • We only work with the best providers in the UK
  • Insurance tailored to your individual needs 
  • A friendly UK based customer service team

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