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Protect Your Home with Mortgage Protection Insurance

Why Mortgage Protection Insurance is Important


Owning a home is one of the most significant financial commitments anyone can undertake. But with that commitment comes the need to ensure that your home, and your family's future, are adequately protected. Mortgage protection insurance offers the ultimate safeguard for your home and financial security, stepping in to cover mortgage payments in times of illness, job loss, or death.

What is Mortgage Protection Insurance?


Mortgage protection insurance is a specialised type of insurance designed to cover your mortgage payments if you become unable to do so due to various life events such as critical illness, loss of income, or death. This ensures that your family can remain in their home without the added stress of financial instability. These are covered by different policies from Legal & General which, combined or individually, make up mortgage protection insurance.

Benefits of Mortgage Protection

Financial Security

In the event of unforeseen circumstances, mortgage protection insurance ensures that your mortgage payments are covered or financial hardship.

Peace of Mind

Knowing that your family can remain in their home regardless of what life throws at you provides invaluable peace of mind.


Mortgage protection insurance can be tailored to fit your specific needs, covering you against illness, job loss, or other eventualities.


Policies are tailored to meet individual needs and circumstances.

Types of Mortgage Protection Insurance

Life Insurance

Life insurance for mortgage protection pays off the outstanding balance of your mortgage if you die during the policy term. This type of insurance ensures that your family can stay in their home without the burden of mortgage payments.


  • Full mortgage repayment in the event of death, either in full or monthly repayments depending on your circumstances.
  • Provides financial security for your family.
  • Customisable term lengths and coverage amounts.
Income Protection

Income protection insurance provides a portion of your income if you are unable to work due to illness or injury. This ensures you can continue making your mortgage payments during your period of recovery.


  • Provides you with a regular monthly benefit
  • Ongoing financial support during prolonged illnesses or injuries.
Critical Illness Cover

Critical illness cover pays out a lump sum if you are diagnosed with a specified critical illness. This lump sum can be used to pay off your mortgage or to cover other financial needs during treatment and recovery.


  • Lump-sum payment upon diagnosis.
  • Covers a wide range of serious illnesses.
  • Can be combined with other types of insurance for comprehensive coverage.

Why choose Embrace Financial Services


Expert Advice

Our advisors are knowledgeable and experienced, ensuring you get the best advice tailored to your circumstances.

Comprehensive Options

We offer a wide range of insurance products to meet all your protection needs.

Personalised Service

We pride ourselves on providing a personal touch, taking the time to understand your unique situation.

Transparent Process

:We believe in complete transparency, ensuring you understand every aspect of your policy before making a decision.

Additional Benefits included as standard 

Wellbeing Support - whatever your situation, Wellbeing Support provided by RedArc Assured Ltd is just a phone call away, with personalised emotional and practical support from a dedicated registered nurse. Access included as standard on our protection policies.

Care Concierge - Care Concierge is a free confidential 1:1 telephone service that can help you and your loved ones understand and find later life care. You can gain information on types of care, finding care and paying for care.

A little thank you

When you take out a Protection policy through Embrace Financial Services, they’ll send you a £50 e-gift. From a choice of Amazon.co.uk, Argos or John Lewis. Find out more here.

Different types of protection products

Types of mortgages

Life Insurance

Protect your family or dependents with life insurance.

Critical Illness Cover

Protect yourself financially from critical illness
Family Income Benefit

Income Protection

Designed to support you if you're ill or injured and can't work.

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