The Situation
This couple originally took out their protection policies with us in November 2021. Their package included:
- ✅ Joint Mortgage Life Insurance
- ✅ £25,000 Joint Life & Critical Illness Cover
- ✅ Income Protection (for him only) – £1,500 monthly benefit
At the time, their total monthly premium was £105.41. As the years passed, the cost rose (due to the nature of increasing cover), and by early 2025 they were paying £136/month.
The Review
We reached out to review their setup — as we always do periodically — because the insurance landscape is constantly shifting. Prices change, providers enhance their offerings, and there are often opportunities to improve both quality and value.
✅ The New Recommendation
After carefully assessing their needs and comparing the current market, we offered the couple a brand-new package that provided:
- Joint Mortgage Life Cover to match their remaining mortgage balance
£50,000 EACH for Life & Critical Illness Cover (that’s £100,000 joint)
Crucially, this new policy keeps the second person covered even if one partner claims — unlike their previous plan, which would have ended on the first claim.
- Upgraded Critical Illness Cover – more conditions covered, with better definitions
Increased Income Protection – now £2,000/month instead of £1,500
That’s an extra £500/month of income replacement if illness or injury stopped him from working.
The Result
- More cover across the board
- Better policy quality and definitions
- Monthly premium reduced to £108.49
- Saving of £27.51/month – despite significantly improved protection
And the best part?
The client didn’t need to lift a finger.
We handled the entire process, from reworking the recommendations to taking updated medical information over a 30-minute phone call.
No paperwork, no admin stress — just solid, expert advice and a service that made a real difference.
️ What This Means for You
If it’s been a while since you reviewed your insurance policies, you could be overpaying — or under-protected.
Like this couple, you may be able to:
- Increase your cover
- Strengthen your financial security
- And still pay less every month
We’re here to do the heavy lifting. No fees, no pressure — just honest advice and tailored support.
Ready to review your protection setup?
It could be the easiest 30 minutes you spend all week. Book a no-obligation, friendly call with our expert team today.
The information contained within was correct at the time of publication but is subject to change.
