Insurance
Protect what matters most with expert guidance and tailored cover
Insurance plays a crucial role in safeguarding your home, income, family and long-term financial security. Whether you’re taking out a mortgage, supporting dependants or running your own business, the right protection ensures you’re covered when life takes an unexpected turn.
At Power Mortgages, we compare policies across the market, explain the differences in simple terms and recommend cover that genuinely fits your needs and budget.
Life Insurance
Protect Your Family’s Financial Future
Life insurance pays out a lump sum if you pass away during the policy term.
It provides reassurance that your family can:
- Pay off the mortgage
- Cover essential living costs
- Maintain financial stability at a difficult time
We help you choose between level term, decreasing term and family-income benefit, and
ensure your cover is set up tax-efficiently where appropriate.
Critical Illness Cover
Financial Support During Serious Illness
Critical illness cover pays out a lump sum if you’re diagnosed with a serious medical condition such as cancer, heart attack or stroke.
Your payout can be used to:
- Reduce or clear your mortgage
- Replace lost income
- Pay for medical treatment
- Support family expenses
We help you compare insurer definitions so you choose cover that offers strong, reliable
protection.
Income Protection Insurance
A Safety Net for Your Monthly Income
Income protection replaces part of your salary if illness or injury stops you working.
It can support:
- Mortgage payments
- Household bills
- Everyday living expenses
We help set up a plan that complements any employer sick pay and ensures long-term
financial resilience.
Self-Employed Income Protection
Specialist Cover for Business Owners and Freelancers
Self-employed income protection is designed for individuals without access to employer sick pay.
It provides a monthly income if you’re unable to work due to illness or injury.
It is ideal for:
- Sole traders
- Freelancers
- Limited company directors
We compare policies that allow flexible benefit levels, shorter waiting periods and long-term
payout options, ensuring your income is protected even when your business can’t operate.
Relevant Life Insurance
Tax-Efficient Cover for Directors and Employees
Relevant life cover allows a business to pay for an employee’s or director’s life insurance in a
tax-efficient way.
It’s ideal for:
- Limited company directors
- High-earning employees
Business owners wanting cost-effective protection
We ensure the policy is structured correctly so you benefit fully from potential tax
advantages.
Home Insurance
Protect Your Home and Belongings
Home insurance protects your property and possessions against a wide range of risks such as
fire, theft, flood, accidental damage and more.
There are two main types:
- Buildings insurance – Covers the structure of your home and is usually a mortgage
requirement - Contents insurance – Protects your personal belongings inside the home
We help you find comprehensive, competitively priced cover and advise on optional extras such as accidental damage or home emergency protection.
Private Medical Insurance (PMI)
Fast Access to Private Healthcare
Private medical insurance covers the cost of private healthcare, allowing you to skip NHS waiting lists and access consultations, tests and treatment quickly.
It offers benefits such as:
- Faster diagnosis and treatment
- Choice of hospitals and specialists
- Access to therapies and mental-health services
Private hospital rooms
We compare insurers and help you select a plan that suits your budget, lifestyle and health requirements.
Why Choose Power Mortgages for Insurance?
Tailored, Impartial Advice
We take time to understand your personal situation to recommend the right level of
protection.
Whole-of-Market Access
We compare policies from leading UK insurers to find strong cover at competitive prices.
Clear, Simple Explanations
We explain everything in straightforward language so you know exactly what you’re getting.
A Fully Managed, Stress-Free Service
We handle the entire application process, including trust forms and medical questionnaires
where needed.
Calculate How Much You Can Borrow
Frequently Asked Questions About Insurance
This service is not exclusive to clients wishing to discuss mortgage funding, so should you wish to be contacted by an advisor to purely discuss protection policies, please get in touch.
Do I need insurance when taking out a mortgage?
It isn’t always compulsory, but it is strongly recommended to protect your home and family in case of unexpected events.
What’s the difference between life insurance and critical illness cover?
Life insurance pays out if you pass away. Critical illness cover pays if you’re diagnosed with a serious medical condition.
Is income protection the same as critical illness cover?
No. Income protection pays monthly while you’re unable to work. Critical illness pays a one-off lump sum.Contents Insurance offers cover against fire, theft, acts of god and accidental damage to your personal belongings. As different companies offer different inclusions and exclusions of what they cover, you should always check your existing policies to see if it includes cover on your most precious items.
Can self-employed people get income protection?
Yes. Self-employed income protection is designed specifically for individuals without employer sick pay.
What is private medical insurance?
It covers the cost of private healthcare, giving you quicker access to tests and treatment.
How much life insurance do I need?
Usually enough to repay your mortgage and provide financial support for your family. We help you calculate the right amount.
Does critical illness cover all illnesses?
No. Each insurer lists specific conditions. We help you understand exactly what’s included.
Are protection premiums fixed?
Some policies have guaranteed premiums, while others are reviewable and may increase over time.
Do I need a medical exam to get covered?
It depends on the insurer, your age, cover amount and health history.
Can I have multiple insurance policies?
Yes. Many people combine life insurance, critical illness and income protection for a complete safety net.
Is home insurance compulsory?
Buildings insurance is required by most mortgage lenders. Contents insurance is optional but recommended.
How can a broker help with insurance?
We compare insurers, explain the details and arrange the right cover based on your needs and budget.
Ready to Protect Your Home, Health and Income?
Speak to our expert advisers today and get tailored cover that gives you complete peace of mind.
Protection insurance policies can cover many things from your home to your health and your income.
This service is not exclusive to clients wishing to discuss mortgage funding, so should you wish to be contacted by an advisor to purely discuss protection policies, please get in touch.
Flexibility
Whether you need help managing your entire portfolio or just a one-off project, we’ve got you covered.
Lender Access
With dedicated underwriters at many specialist lenders, we can help remove barriers to funding, giving you better access to the right deals.
Per-Submission Due Diligence
We don’t take chances. Our pre-underwrite process ensures your case fits the lender’s criteria before we submit, saving you time and effort.
Exclusive Deals
Access exclusive and semi-exclusive deals, not available directly to the public.
Transparent Comparison
We provide full transparency on the true cost of a deal, including payments, fees, and terms, not just the headline interest rate.
Fighting Your Corner
We’ve helped countless landlords secure mortgages outside standard policy terms by working directly with decision-makers. This can save you money, time, and reduce the chance of a declined application.
If you want to know more about how we can help you grow your portfolio, get in touch today. One of our expert mortgage brokers will be in contact shortly. If you’re in a rush, feel free to call us directly at 02380 630868 to get started now.
Why Power Mortgages is Different
(And a Lot Better)
If you want to know more about how we can help you grow your portfolio, get in touch today. One of our expert mortgage brokers will be in contact shortly. If you’re in a rush, feel free to call us directly at 02380 630868 to get started now.
Our Customers Love Us
“When I started with four Buy-to-Let properties, I knew I wanted to scale but didn’t know how. Thanks to Manny and the team at Power Mortgages, I’ve grown my portfolio to 27 properties in just four years.
What stood out was their tailored advice. Manny took the time to understand my goals and provided solutions that aligned perfectly with my strategy, whether it was high-yield properties or regional diversification. Their expertise was invaluable, especially when navigating complex lending criteria and tight timelines.
Beyond mortgages, they kept me informed about market trends and new opportunities. Their proactive approach and genuine care made me feel like a priority every step of the way.
If you’re serious about growing your property portfolio, I can’t recommend Power Mortgages enough. They’ve been instrumental in my success.”
Nimesh Patel
Our Customers Love Us
