Understand the risk
We identify who depends on you, what is already covered and the financial gap that remains.
SPECIALIST PROPERTY FINANCE
Life insurance
Cover designed to protect your family and help repay borrowing if you die. Speak to an adviser who will assess your full circumstances, not just a headline number.
No obligation · Initial conversation does not affect your credit score
Written and reviewed by Smart Mortgages specialistsReviewed 21 August 2026 · FCA reference 912358
How we help with life insurance
Good protection advice starts with the financial impact you want to guard against. We assess needs, existing benefits, budget, policy quality and underwriting before recommending suitable cover.
Compare suitable options
We compare policy definitions, benefits, exclusions, underwriting and cost, not price alone.
Put cover in place
We manage the application and explain any terms offered before the policy begins.
Help protect the people who depend on you
Life insurance can provide a lump sum or regular benefit if an insured person dies during the policy term. Cover should reflect the mortgage, family needs, existing benefits and budget.
Mortgage cover
Align cover with an outstanding repayment or interest-only mortgage.
Family protection
Provide funds for living costs, childcare, education or other ongoing needs.
Level or decreasing
Choose a benefit shape that reflects the liability and purpose of the policy.
Trusts
Consider whether placing eligible cover in trust may help the benefit reach intended recipients.
Your Smart Mortgages contact
Your mortgage adviser can arrange a protection review alongside the mortgage journey.
Help protect the people who depend on you FAQs
How much life cover do I need?
That depends on debts, income needs, dependants, existing workplace benefits and what you want the policy to achieve.
Will medical questions be required?
Usually. The insurer may also request a GP report, nurse screening or medical examination depending on the application.
Does life insurance always pay out?
Claims are subject to the policy terms, exclusions and accurate disclosure during the application.
Specialist knowledge that can make the difference
Our team regularly works with family protection, mortgage protection and life cover. Policy wording and underwriting can differ significantly, so we compare suitable insurers and explain important limitations before you apply.
Frequently asked questions
Will I need medical underwriting?
Most personal protection applications include health and lifestyle questions. The insurer may request additional medical evidence depending on the cover and disclosures.
Can existing cover be reviewed?
Yes. We compare what you already have with current needs before considering whether any change is appropriate. Existing cover should not be cancelled until replacement cover is accepted and in force.
Can you help throughout the UK?
Yes. Our protection team supports clients across the UK by telephone and video as well as through our branches.