Life and critical illness insurance provides financial protection for you and your loved ones if the unexpected happens, helping ease financial pressure at an already difficult time.
At Holbrook Property Finance, we offer clear, whole-of-market advice to help you arrange protection that’s tailored to your circumstances, responsibilities and future plans.
Life and critical illness insurance is designed to provide financial support if you die or are diagnosed with a specified serious illness during the policy term (subject to policy definitions and terms). Life insurance pays out a lump sum on death, while critical illness cover pays out if you’re diagnosed with one of the conditions listed in the policy.
These policies are often arranged together to provide broader protection, particularly for homeowners and families with financial commitments such as a mortgage, childcare costs or ongoing household expenses. Cover can be set up to provide a lump sum that helps reduce financial strain when it’s needed most.
Life and critical illness insurance policies can differ significantly between insurers, not just in price but in the scope of cover, condition definitions and claims approach. Comparing policies properly requires more than simply choosing the cheapest option.
At Holbrook Property Finance, we take time to understand your personal circumstances, including your mortgage, income, dependants and long-term goals. With access to the whole of the market, we can compare a wide range of insurers and explain the key differences clearly.
Using a broker also helps ensure your policy is set up correctly from the outset — including cover amounts, policy term and ownership — reducing the risk of gaps in protection or misunderstandings later on.
Life and critical illness insurance can be structured in a number of ways depending on your priorities and financial situation.
Some clients choose cover to protect a mortgage, while others want broader protection to support family living costs or future plans. Policies can be arranged on a level or decreasing basis, depending on whether the amount of cover needs to remain fixed or reduce over time.
Whether you’re buying your first home, moving house, starting a family or reviewing existing protection, we’ll help you explore life and critical illness insurance options that balance affordability, flexibility and meaningful cover.
At Holbrook Property Finance, we believe protection advice should be clear, personal and tailored — not rushed or generic. We take the time to explain your options in plain English and ensure recommendations are aligned with your wider financial plans.
You’ll benefit from whole-of-market access to trusted insurers, honest guidance, and ongoing support as your circumstances change. Our 5 star Google Reviews reflect our commitment to professionalism, integrity and consistently strong client outcomes.
Many people choose both to provide broader protection, but suitability depends on your circumstances. We’ll help assess what’s right for you.
Cover levels depend on your mortgage, income, dependants and future plans. We’ll help you calculate a sensible level of protection.
Each policy has a defined list of covered conditions. We’ll explain key differences between insurers and policy definitions.
Yes. Policies can often be reviewed and adjusted if your circumstances change, such as moving home or having children.
It can be arranged alongside a mortgage, but it doesn’t have to be. We’ll help ensure protection fits your overall needs.
If you want to protect your family, your home and your future financial security, clear advice can make all the difference.
Get in touch today to speak to a Holbrook adviser about life and critical illness insurance.
No pressure, no hassle — just straightforward, tailored support.
Holbrook Property Finance Limited registered in England at Holbrook House, 34-38 Hill Rise, Richmond TW10 6UA, number 07066135 is authorised and regulated by the Financial Conduct Authority (FRN 790387). Our charges are dependent on the loan amount and your individual circumstances. A free initial consultation will be provided, and we will explain in all cases what you will be charged before you decide to proceed with an application. As we offer a tailored service our fees can vary. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before we proceed.
