Life Insurance – Protect What Matters Most
Life Insurance
At PK Mortgages & Properties, we are trusted life insurance brokers in the UK, offering expert, independent advice to protect you and your family. Whether you need life insurance, critical illness cover, or income protection insurance, our experienced life insurance experts help you find the right policy at the best price. As independent protection insurance brokers, we compare top UK insurers to secure the best cover for your needs. From paying off your mortgage to providing a lump sum or regular income if you pass away or become seriously ill, we ensure you’re financially protected. As specialist critical illness insurance brokers and life cover brokers, we offer clear advice, handle all paperwork, and are fully FCA regulated for your peace of mind. Contact us today for free, no-obligation advice.
Pays a lump sum to your loved ones if you pass away, helping them cover mortgage payments, household bills, and general living costs.
As specialist critical illness insurance brokers, we help you arrange policies that pay out a tax-free lump sum if you are diagnosed with a serious illness like cancer, heart attack, or stroke.
Provides a regular monthly income if you’re unable to work due to illness or injury, helping you maintain financial stability during tough times.
Mortgage Protection Life Insurance
Protect your home with life insurance designed to pay off your mortgage if you pass away during the policy term.
We discuss your needs and financial situation
Our team compares policies from leading insurers.
Get transparent, easy-to-understand recommendations
We handle all paperwork from start to finish.
Our service doesn’t stop when your policy starts. We’re here whenever you need assistance or a review.
Independent Mortgage Broker — Whole-of-Market Access We’re fully independent with access to the entire mortgage market, ensuring the best deal for your needs.
Fee-Free Mortgage Broker — No Broker Fees for Most Clients Save from the start with our fee-free mortgage broker service.
Expert Mortgage Advice Service — Honest & Reliable Our experienced advisors provide straightforward, trustworthy guidance at every step.
First-Time Buyer Mortgage Broker Specialists We help first-time buyers with tailored advice, supporting you from initial consultation to getting your keys.
Fully FCA Regulated — Trusted & Transparent We’re authorised by the Financial Conduct Authority (FCA), offering advice you can trust.
Fast, Friendly Service — From Enquiry to Completion Enjoy hassle-free, personal support throughout your mortgage journey.
Life Insurance/ Cover
Selecting a life insurance policy is one of the most important decisions that you will ever make to ensure your family’s financial wellbeing, security and peace of mind. We strive to find the most suitable and personalised life cover for you, including joint life cover.
Life insurance, whether sole or joint, can help minimise the financial impact that your death could have on your loved ones. If you die, or if you are diagnosed with a terminal illness with a life expectancy of less than 12 months, during the length of the policy, it could pay out a cash lump sum. Life insurance can give your family financial security, and ensure your peace of mind that your family’s lifestyle will be protected should the worst happen.
Family Income Benefit
This cover will pay out on death, providing an annual income for the term remaining on the policy. For example, for a 20-year term, where the claim occurred after five years, there would be 15 annual payments made in total.
The payments are not normally subject to income tax but may affect some state benefits.
Private Medical Insurance
This pays for medical treatment on a private ward or enables you to be seen earlier on a NHS ward. Some plans also allow you to claim if you are not able to be seen by the NHS within a set time period.
You may be medically examined and underwritten at the outset so that you know exactly which conditions you are covered for. Alternatively, there will be no medical examination at the outset, but conditions that occur two years before taking out the insurance are not covered, and often there is no cover for a reoccurrence within five years of taking out the plan. Premiums are usually reviewable annually.
Critical Illness Cover
This pays out after certain medical events occur, for example, heart attack, stroke, cancer or other specified critical illnesses.
Cover is for a set term, which may be equal to a mortgage term, or may end at a specified milestone in life, such as retirement or children turning 18. It may be worth considering having one policy for a set term to cover the mortgage, and another that will provide money if a serious illness should occur. Most people choose a lump sum to be paid out, although there is the option of receiving a set income over the term remaining.
Income Protection
This provides an income if you have to stop working due to illness or injury. It is designed to replace most of your net income.
Cover is provided either for a set term or up to a certain age (typically your state retirement age). The amount you pay is called the premium. It can either be guaranteed not to change, or it can be reviewable.
Mortgage Payment Protection (MPPI)
This can cover your mortgage repayments if you lose your income as a result of accident, sickness or unemployment.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mr. Pardeep Kumar is a Mortgage & Protection Adviser with Match Mortgages Limited.
Registered office: Beechwood Cottage, Beechwood Lane, Wendover, Buckinghamshire, England, HP22 5QL.
Registered in England and Wales under number 14279332.
Match Mortgages Limited is regulated and authorised by the Financial Conduct Authority under number 983246 in respect of mortgage, insurance and consumer credit mediation activities only.
The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based within the UK.