Mortgage & Insurance Protection

Protecting Your Home, Your Mortgage, and Your Family

When you take out a mortgage, protecting yourself and your family is just as important as securing the loan. Life is unpredictable, but the right mortgage insurance ensures your home and loved ones are safeguarded, no matter what happens.

At Adverse Mortgage Advisors, we specialise in helping people with all types of credit histories find the right insurance protection. Whether you’re looking for life insurance for your mortgage, critical illness cover, income protection insurance, or home insurance, we’ll guide you through the options and find a policy that fits your needs and budget.

Types of Mortgage Insurance & Protection

Life Insurance for Mortgage Protection

Life insurance gives your family financial security if you were to pass away. It can pay off the outstanding balance of your mortgage, making sure your loved ones can stay in their home without financial stress. We offer advice on:

• Decreasing term insurance (matches your mortgage balance)
• Level term insurance (provides a fixed payout)
• Family protection policies (extra support beyond the mortgage)

Critical Illness Cover

A critical illness insurance policy pays out a lump sum if you’re diagnosed with a serious condition such as cancer, heart attack, or stroke. This money can help:

• Clear your mortgage
• Cover treatment and recovery costs
• Support your household during difficult times
• Income Protection Insurance
• If you’re unable to work due to illness or injury, income protection insurance provides a monthly income to help cover bills, everyday expenses, and mortgage repayments. This is particularly valuable for self-employed clients, contractors, or anyone without long-term sick pay.

Mortgage Protection Insurance

This type of cover is designed to specifically safeguard your mortgage repayments in the event of illness, accident, or unemployment. It ensures your home remains secure even if your income takes a temporary hit.

Family Protection Insurance

Beyond paying off your mortgage, family protection policies provide financial security for childcare, education, or everyday living costs—giving your loved ones peace of mind and stability.

Home Insurance

Your property is your biggest asset, so protecting it with home insurance is essential. We can arrange:

• Buildings insurance – Covers the structure of your home against risks such as fire, flood, or subsidence.
• Contents insurance – Protects your possessions from theft, damage, or loss.
• Combined home insurance – A simple, cost-effective way to cover both property and contents under one policy.

We work with insurers who understand clients with adverse credit, so you won’t be held back by your financial past.

Why Choose Adverse Mortgage Advisors for Insurance?

• Expert guidance on all types of mortgage protection.
• Access to specialist insurers who support people with bad credit.
• Tailored policies designed around your mortgage, family, and budget.
• Independent advice for better value and more choice.

Secure Your Future with the Right Protection

Your mortgage isn’t just about bricks and mortar—it’s your home, your family, and your future. With the right insurance protection, you can move forward knowing that no matter what life brings, your loved ones and your home are safe.

Get in touch today to explore your mortgage insurance options with one of our specialist advisors.