From life insurance and critical illness cover to income protection, we’ll help you understand your options and find the right protection for you and your family.
Step One
If we’re arranging your mortgage, we’ll always talk to you about protection as part of the process. But you don’t need to be a mortgage client – we’re equally happy to review your existing cover or help you arrange protection separately.
We’ll start by understanding your circumstances, your finances and who you’d want to protect.
Step Two
Life insurance is only one part of protection. Depending on your circumstances, we’ll also discuss options such as critical illness cover, income protection and family income benefit.
We’ll explain how each works, what it could provide and recommend the cover we think is right for you.
Step Three
Once you’re happy with our recommendation, we’ll take care of the application and deal with the insurer on your behalf.
We’ll keep you updated throughout and, once your cover is in place, you’ll know exactly what you’re covered for an
There are lots of different types of protection available, and understanding which policies you need, how much cover to take out and which insurer to choose isn’t always straightforward. That’s why it can be sensible to get advice from an expert who can look at your circumstances and help you understand what will actually work for you.
We have access to a large number of insurers and can compare the different options before recommending cover that suits your needs and budget. We don’t charge you a broker fee for our advice or for arranging your cover, so you can get expert help without paying us anything. There’s no catch!
We can advise on a range of personal protection, including life insurance, critical illness cover, income protection and family income benefit. These policies are designed to protect against different circumstances, and you may benefit from a combination of cover rather than relying on one policy alone. We’ll explain the differences and recommend what we think is appropriate for you.
There isn’t one amount that’s right for everyone. You might want enough cover to repay your mortgage, provide for your family, replace lost income or cover other financial commitments. We’ll look at your circumstances and what you’d like the policy to achieve before recommending an appropriate level of cover.
Life insurance pays out if you die during the policy term, whereas critical illness cover can pay out if you’re diagnosed with one of the serious illnesses covered by your policy and meet the insurer’s definition. The conditions covered and definitions can vary between insurers, which is one reason getting advice can be valuable.
Income protection is designed to provide you with a regular income if you’re unable to work because of illness or injury. Policies can vary considerably in how much they pay, how quickly payments begin and how long they can continue for, so we’ll help you understand the options available.
Family income benefit is a type of life insurance that can provide your family with a regular income if you die during the policy term, rather than paying the entire amount as one lump sum. It can be a useful way of helping to replace your income and support your family with their ongoing living costs.
It depends on the benefits your employer provides and whether they would be enough for your needs, but often it’s sensible not just to rely on work benefits. Workplace benefits can be valuable, but they may change or end if you leave your employer. We can review any cover you already have and take this into account before recommending whether you need anything additional.
Yes. If you already have protection in place, we can review your existing policies alongside your current circumstances. We won’t recommend replacing existing cover unless we believe there’s a good reason to do so, and we’ll explain the advantages and disadvantages before you make any changes.
No. We don’t charge you a broker fee for our protection advice or for arranging your policy. If you take out a policy through us, we’ll normally receive commission from the insurance provider in the same way every broker is paid, however, we choose not to charge you an additional fee on top.
“So happy with Kye’s professional approach and guidance from start to finish! He makes you feel at ease with the process. Can’t thank my friend enough for recommending him!”
“Exceptional fee-free service. It has been a hassle-free and stress-free transaction. Dan was very helpful and patient in explaining and walking us through every step of our mortgage application.”
“Communication was brilliant from the start. Dan was friendly, professional and knowledgeable. He tracked the interest rate on my new mortgage deal and secured a lower rate before I was locked in, saving me considerable money.”
“The communication has been brilliant, every step and option available to us has been explained and Kye has been readily available for discussions and questions, which has made the whole process go very smoothly.”
“With my partner being self-employed, I was scared this would be a barrier to us getting a mortgage—no such thing as barriers with Kye and Crescent Mortgages! They made the whole process so simple.”
“Dan was thorough and explained everything in a way that was easy for us to understand as first-time buyers, without being patronising. His communication and manner were excellent, and he guided us through a slightly tricky requirement.”
Our focus is on great customer service and clear, honest advice for mortgages, remortgaging, first-time buyers and life insurance, so you can feel confident and stress-free.
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We’re here to talk you through any questions on the mortgage process, whether you’re thinking of remortgaging, ready to get a new deal, recently self-employed or a first-time buyer.
Email: info@crescentmortgages.co.uk
Phone: 01225 690 120
Monday – Friday: 9.00am – 5:30pm
Saturday: Closed
Sunday/Bank Holidays: Closed
