Keeping You And Your Family Protected
The clarity you need and the advice you deserve, every step of the way.
Designing Your Protection Portfolio
Your protection portfolio should be more than a collection of policies. It should be a fully personalised safety net that reflects your lifestyle, your income, your long-term plans and the people who depend on you.
I take the time to understand what really matters to you so every piece of cover has a clear purpose and fits naturally into your financial life.
Whether it is replacing your income if illness stops you working, ensuring your mortgage can be paid off for your family, or providing ongoing support during unexpected challenges, the goal is to build a protection plan that feels simple, supportive and completely tailored to you.
Nothing generic and nothing added for the sake of it. Just practical, structured protection that grows with you and helps secure the life you are working hard to build.
Life Insurance
Life Insurance provides a financial safety net for the people you care about most. If you pass away during the policy term, it pays out a lump sum that can help clear the mortgage, cover bills or provide long-term stability for your family. It offers reassurance that your loved ones can stay in their home and maintain their lifestyle during a difficult time.
Best for: Anyone with a family, dependants or a mortgage.
Critical Illness Cover
Critical Illness Cover pays a tax-free lump sum if you're diagnosed with a serious medical condition defined in the policy. The payout can help with recovery costs, time off work, home adjustments or simply taking financial pressure off your family. It gives you breathing room when health becomes the priority.
Best for: Anyone wanting financial support if a major illness affects work or day-to-day life.
Income Protection
Income Protection replaces part of your income if you're unable to work due to illness or injury. For many people, their income is the foundation of their lifestyle, and this cover helps ensure the mortgage and bills can still be paid. It can support you long-term, giving peace of mind if sickness pay or savings aren’t enough.
Best for: Anyone who relies on their income, especially the self-employed.
Family Income Benefit
Family Income Benefit pays out a regular, tax-free income if you pass away during the policy term. Instead of one lump sum, your family receives ongoing monthly or yearly payments, helping them manage everyday costs and maintain normal routines. It’s practical, affordable and easy to plan around.
Best for: Families who prefer steady financial support rather than a single payout.
Wills (Standard & Mirror)
A will ensures your wishes are followed and the right people receive your estate. It brings clarity, reduces stress for your family and allows you to choose guardians and outline important decisions. Standard wills are ideal for individuals, while mirror wills give couples a simple and cost-effective way to protect each other and their children.
Best for: Anyone wanting clear control over how their estate is handled.
Placing Your Protection Policy In Trust
Putting your protection policy in trust helps make sure the money goes exactly where you want it to go, as quickly as possible. When a policy is written in trust, the payout is passed directly to your chosen beneficiaries, avoiding delays through probate and helping reduce potential inheritance tax. It gives you more control, more certainty and ensures your loved ones receive the support you intended without complications.
Best for: Anyone who wants their policy to pay out faster and more efficiently to the right people.
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BT Mortgage Advice is not a mortgage intermediary. BT Mortgage Advice makes introductions to CMME Mortgages & Protection Ltd to provide mortgage solutions. CMME Mortgages and Protection limited is registered in England and Wales (04886692) is authorised and regulated by the Financial Conduct Authority (414798).