🛡️ Life Insurance & Protection in Brentwood

Protecting your home and family is just as important as securing your mortgage 🏠. We connect Brentwood clients with friendly advisers who compare life insurance, critical illness, and income protection, helping you set up the right mix — clearly explained and aligned to your budget 💰.

🧰 Your protection toolkit

• ❤️ Life insurance: Level or decreasing term to clear the mortgage and support your loved ones.
• 🩺 Critical illness cover: Lump sum on diagnosis of specified serious illnesses.
• 💼 Income protection: Monthly benefit if illness or injury stops you working beyond a chosen deferred period.
• 👨‍👩‍👧 Family income benefit: Monthly, tax-free income to dependants for a set term.

📏 Choosing amounts & terms

We look at your mortgage balance, bills, childcare costs, and partner’s income. Cover can mirror your mortgage term or run until milestones like children finishing full-time education 🎓.

🏦 Trusts, beneficiaries & ownership

Advisers can help put policies in trust and set beneficiaries so money reaches the right people quickly ✅.

📝 Applying & underwriting

You’ll answer health, lifestyle, and occupation questions; some cases need medicals 🩺. Any exclusions or loadings are explained clearly before you proceed.

⚡ Process

1. 💡 Clarify goals and budget
2. 📊 Quote and compare providers
3. ✍️ Apply and complete underwriting
4. 📜 Trusts/beneficiary setup and documents issued

❓ Protection FAQs (Brentwood)

💡 Is decreasing term enough for the mortgage?

It’s designed to cover repayment mortgages 🏠. If you want extra for bills or childcare, you can add level cover or family income benefit 👨‍👩‍👧.

🔄 What if I change jobs?

Most personal policies are portable — they stay with you, not the employer. You can review cover if benefits or sick pay change 🛡️.

💰 How do premiums stay affordable?

Adjusting the term, cover amount, deferred period (for income protection) and indexation can balance protection with your budget ✅.