Level term life insurance
Pays an agreed lump sum if you die during the policy term, subject to its terms. The cover amount stays level and can help with a mortgage, other debts or family living costs.
PROTECTION & INSURANCE · SPECIALIST REFERRALS
Your home. Your family.
Your next safeguard.
A mortgage is one part of your financial picture. Explore the main types of cover for your family, income and property, then ask about a referral for advice tailored to your circumstances.
Ask about a protection referralGeneral information only. Policy availability, eligibility and terms vary.
LIFE & FAMILY
Support for the people who depend on you.
Decreasing term life insurance
The cover amount reduces over the policy term. Often considered alongside a repayment mortgage, but the policy needs to be matched to the borrowing: it does not automatically track your actual mortgage balance.
Increasing term life insurance
The cover amount increases under the policy terms to help address rising costs. Premiums may also increase; check how both the benefit and cost change.
Whole-of-life insurance
Designed to pay a lump sum whenever you die, provided the policy remains in force and its conditions are met. Depending on the policy, premiums or benefits may be reviewed.
Family income benefit
A form of life insurance that pays a regular income following death during the term, usually for the remainder of that term. It can help dependants meet ongoing household costs.
Critical illness cover
Pays a lump sum if you are diagnosed with a specified condition that meets the policy definition. It does not cover every illness or every stage of a condition; exclusions and any survival period matter.
INCOME & MORTGAGE PAYMENTS
A plan for time away from work.
Income protection
Can replace part of your income if illness or injury prevents you from working, after an agreed waiting period. Payments depend on the definition of incapacity and continue within the policy’s benefit limits. It does not normally cover redundancy.
Mortgage payment protection / accident, sickness & unemployment
Short-term cover that may help with mortgage repayments following insured illness, injury or involuntary unemployment. The risks covered, waiting periods and payment limits vary. Availability and eligibility, particularly for unemployment cover, need checking.
HOME & RENTAL PROPERTY
Cover for your property and belongings.
Buildings insurance
Covers the structure and permanent fixtures against insured events such as fire, storm or flood. Rebuilding costs, excesses and exclusions matter. A mortgage lender will usually require suitable buildings cover; for flats it may be arranged through the freeholder or managing agent.
Contents insurance
Covers belongings against insured loss or damage, with limits for valuable items. Accidental damage and belongings away from home may require additional cover. Buildings insurance does not usually cover your personal possessions.
Landlord insurance
Specialist cover for let property, with options that may include buildings, landlord-owned contents and property-owner liability. Loss of rent after insured property damage differs from rent guarantee cover for tenant arrears, which has separate conditions.
HEALTH & BUSINESS
Other cover you may want to explore.
Private medical insurance
Can help pay for eligible private medical diagnosis and treatment within the policy terms. It does not replace lost earnings or cover every condition; pre-existing and chronic conditions are commonly restricted or excluded.
Business protection
Key person insurance, shareholder or partnership protection, and relevant life cover address different business needs. Their suitability, ownership and tax treatment require specialist advice. Ask which specialist referral options are available.
These descriptions explain common types of cover. They are not a promise that every product is available through our referral arrangement. We will confirm the appropriate referral route for your enquiry.
YOUR REFERRAL, EXPLAINED
A clear introduction.
An informed decision.
01
Speak to Anwar
Tell us which area you would like help with. We will explain the referral route, identify the receiving firm and explain any referral payment arrangement before making an introduction.
02
Choose whether to connect
We ask your permission before passing your contact details to the specialist. The receiving firm will explain its regulatory status, service, charges and how it uses your information.
03
Review your options
The specialist assesses your circumstances and explains suitable options, costs and exclusions. You decide whether to proceed; a referral does not commit you to taking a policy.
BEFORE CHOOSING COVER
Look beyond the premium.
- What the policy covers and excludes
- The waiting period, benefit amount and payment duration
- Your existing policies, employer benefits and sick pay
- Medical underwriting, occupation and eligibility requirements
- Whether premiums or benefits can change
- What happens if premiums stop or your circumstances change
Give complete and accurate answers to the insurer’s questions. Incorrect or missing information can affect a claim. Do not cancel existing cover until you understand any replacement and it is in force.
COMMON QUESTIONS
Understand
your protection.
Does mswitch give the insurance advice?
For this referral service, mswitch introduces you through its Right DA Club arrangement. The receiving specialist is responsible for assessing your insurance needs, making recommendations and arranging any policy. We confirm the receiving firm before sharing your details.
Is life insurance the same as income protection?
No. Life insurance generally pays on death during the period covered. Income protection is designed to replace part of your earnings when illness or injury prevents you from working, subject to its terms.
Do I have to buy insurance to get a mortgage?
Lenders usually require suitable buildings insurance on the mortgaged property. Life, critical illness and income protection are generally optional, although you should check your particular mortgage conditions. You do not have to buy insurance through mswitch’s referral arrangement.
Can I get cover if I am self-employed or have a medical condition?
It may be possible, but the options depend on the insurer, occupation, income evidence, medical history and product. A specialist can explain underwriting, exclusions or additional costs. Acceptance is not guaranteed.
What will it cost?
Premiums depend on the cover, benefit amount, term, age, health and other relevant factors. The specialist will explain the quote and any charges before you decide. Any referral payment arrangement will be explained before the introduction.
What should I send in my first enquiry?
Send your name, preferred contact details and the area of cover you want to discuss. Please do not email medical records, detailed health information or identity documents in your initial enquiry.
START WITH YOUR PRIORITIES
Let’s talk about protection.
Contact Anwar to discuss a specialist referral. Keep your first message brief; the receiving adviser will arrange any detailed information securely.
Independent information: MoneyHelper insurance guides ↗. Find out more about The Right DA Club ↗.