We are here to help you protect the things that are important to you. We want to make sure that your home and income are secure for you and your family if you are unable to work due to sickness/accident, diagnosed with a specified critical illness or suffer a premature death.

We do not charge a broker fee for this element of our service, meaning in conjunction with your mortgage we will provide you with a free insurance review using our network of long standing insurance providers to design the right insurance portfolio that fits your budget and personal circumstances.

Where appropriate we will put the protection products we have recommended into trust, to ensure that if you die the proceeds of your estate are received by your designated beneficiaries in a timely manner.

You may have existing protection cover in place and in this case we will undertake a review to ensure that your level of protection is adequate and appropriate and that your premiums affordable as your personal or family circumstances may have changed since taking out your policy(s).

Critical Illness cover is constantly changing, so where you have critical illness cover, we will provide you with an in depth report which allows you to compare your existing cover with the latest cover available on the market. 

Please see insurance options below:

LIFE INSURANCE

Life insurance is commonly used to protect a mortgage. Where used for this purpose it is set up to pay-out a lump sum payment to repay a mortgage in full if the policy holder dies within the term of the policy. Terminal Illness cover is usually included which means the insurance company pays the benefit out upon diagnosis of a specified terminal illness where the policyholder is expected to die within 12 months.

FAMILY INCOME BENEFIT

This type of insurance cover is designed to provide a monthly tax-free income (tax year 2019/2020) to the household if a policy holder dies during the term of the plan. The income will remain for the rest of the term, typically until children are no longer dependent, making sure that the family you leave behind are able to sustain their current lifestyles.

INCOME REPLACEMENT COVER

An income protection policy typically pays out up to 65% of your salary as a tax free (tax year 2019/2020) regular monthly income if you are unable to work due to sickness or an accident. It will give you peace of mind that having a regular on-going income will be received to help you maintain your current life style and pay your mortgage, meaning that you don’t have to return to work until you are fit to do so or your given benefit period expires. 

CRITICAL ILLNESS COVER

This type of cover can be used to protect your mortgage, income and lifestyle against the financial consequences of you suffering a defined critical illness such as a heart attack, stroke or cancer during the term of your policy. The cover also includes children’s cover which will pay out a lump sum (usually a proportion of the adult benefit) on diagnosis of the child suffering from a defined critical illness.

What our clients say

‘Deb and her team are fantastic. We have used Deb on two occasions and will definitely be using her again, always friendly and nothing is too much trouble for her. We will always recommend her to others. Thanks for all your hard work over the years.’

E Edwards 21st June 2019

‘Deb and the team are fantastic, quick and reliable!’

Tamworth7th January 2019

‘Absolutely fantastic service, professional and quick. Many thanks.’

Cannock12th April 2019

‘Fantastic Service. Very professional and approachable.’

Oldbury23rd January 2019

Integrity | Honesty | Confidentiality | Equality

Our fees range from £349 – £500, our typical fee is £349, the initial consultation and sourcing of a mortgage is free, with fees becoming part payable upon full application.

Your property may be repossessed if you do not keep up payments on your mortgage.

Registered Office:  Hagley House, 93, Hagley Road, Edgbaston, Birmingham, B16 8LA

Registered in England & Wales No. 11020989

Eaton Mortgages and Protection LTD  is authorised and regulated by the Financial Conduct Authority registration number 804700.

The Financial Conduct Authority does not regulate some forms of Buy to Let.

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.