Protect the ones that matter most.


We all need to be protected. What would happen if a sudden illness, disability, job loss or death occurred?


Many people simply live by the ostrich mentality that "it won't happen to me", a fact reflected in L&G's 2015 Value of a Parent report. Despite a majority of parents stating that their top financial priority was to ensure their children are looked after in the case of their death or illness, only half of parents have Life Insurance in place, under a third have Critical Illness Cover and less than a fifth have Income Protection.*


We can help provide you with the peace of mind that comes with knowing you are protected if something should happen. Our panel of protection providers offers products to cover all your needs.

Risk Reality Calculator

Life Cover

This comes in two main forms: Level Term and Decreasing Term. Level Term will give you the same amount of cover throughout the life of the policy and pay out that amount if you make a claim. Decreasing Term will decrease over the term, usually to match your decreasing mortgage amount, and pay out the current amount when a claim is made.

Critical Illness Cover

This covers you and your family against the financial impact of a specified critical illness and loss of income through sickness. It pays out a lump sum should you be diagnosed with a serious illness. The type of illnesses covered varies depending on the provider and type of policy selected with typically up to 40 major illnesses listed. Critical illness cover is also available in Level Term and Decreasing term similar to life cover.

Family Income Benefit

Available on both Life and Critical Illness plans, Family Income Benefit will pay out a regular income from the time of claim until the end of the policy. For example, a claim made 5 years into a 20 year term policy would pay benefits for 15 years.



* L&G Value of a Parent 2015 - 53% of parents have Life Insurance, 28% have Critical Illness Cover and 19% have Income Protection

Need more details? Contact us

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We will charge a broker fee of between £0 and 1% of the value of the mortgage (i.e. a maximum of £500 on a £50,000 mortgage) at application. The overall amount of the fee is dependent on the amount of research and administration that is required.


The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.


What Life & Mortgages refer to a specialist third party for advice regarding estate planning. Neither What Life & Mortgages or PRIMIS Mortgage Network are responsible for the advice given.


What Direct Ltd trading as What Life & Mortgages, Pavilion 2000, Amy Johnson Way, York YO30 4XT registered in England, No: 07071175 is an appointed representative of PRIMIS Mortgage Network (PRIMIS), a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority. PRIMIS is only responsible for the service and quality of advice provided to you in relation to mortgages, protection insurance and general insurance products. Any other product or service offered by What Life & Mortgages  may not be the responsibility of PRIMIS and may also not be subject to regulation by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let.

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