Protection Insurance
Protect what matters most. Our expert advisers will help you find the right insurance to safeguard your family, income and home against life's uncertainties.
Get Protected TodayProtection for You and Your Loved Ones
Most people spend a lot of time thinking about their mortgage. The rate. The term. The monthly payment. But what would happen if something went wrong is a question that often doesn't get asked until it's too late.
Illness, injury or death can arrive without warning, and the financial consequences of missed mortgage payments, lost income and debts can hit you and your family hard and fast. Having the right protection in place means that even if the worst happens, the people you care about most won't be left scrambling.
At FG & Cook, protection isn't an afterthought. We talk to every client about it, because it matters. Our brokers will take the time to understand your situation, mortgage, income, family and priorities and help you find cover that protects what matters, at a price that makes sense.
Get a QuoteProtection Products We Offer
Comprehensive insurance solutions designed to give you and your family peace of mind. Our protection products include:
Life Insurance
Life insurance is probably the most straightforward protection product, but the decisions within it are anything but simple. The right policy, level of cover and term all depend on your personal circumstances.
At its core, life insurance provides a financial safety net for your loved ones if you pass away during the policy term. That could mean paying off your mortgage, clearing any outstanding debts or replacing your income so your family can maintain their standard of living.
Our brokers will walk you through the options, from level term assurance to decreasing cover that tracks your mortgage balance, or family income benefit that pays a regular income rather than a lump sum, to help you choose what's right for your household.
Critical Illness Cover
A serious diagnosis can change everything. But it doesn't have to change your financial security.
Critical illness cover pays out a lump sum if you're diagnosed with a specified serious health condition. That money is yours to use as you need it, whether it's for clearing your mortgage, adapting your home, or giving yourself the space to focus on your recovery without the added stress or financial pressure. Because policy definitions vary so much, our advice matters. We'll compare providers and plans to help you understand what you're covered for, so there are no surprises when you need to make a claim.
Income Protection
Your income is the foundation on which everything else is built. If illness or injury means you can't work, income protection is there to replace a portion of what you'd normally earn. It gives you a regular payment to cover your mortgage, bills and day-to-day costs while you recover.
It's one of the most valuable protection products available, and one of the most overlooked. Our brokers will help you understand how it works and structure a policy that fits your situation, whether you're employed, self-employed, or working as a contractor.
Mortgage Protection
Mortgage protection ensures your mortgage gets paid if you die or are diagnosed with a serious illness during the policy term. For many people, it offers the security and peace of mind of knowing that whatever happens, your family won't lose their home.
This type of policy typically takes the form of decreasing term assurance, with the sum assured reducing roughly in line with your outstanding mortgage balance over time. Our brokers will help you assess whether mortgage protection alone is sufficient for your needs, or whether it should sit alongside life or critical illness cover as part of a more complete financial safety net.
Why Choose FG & Cook?
Protection advice is only useful if it's personal. We make sure it is. Here's what makes us different:
- Advice that starts with you – Before we recommend anything, we take the time to understand your full picture. It's the only way to make sure the cover you end up with does what it needs to.
- We search the market – There's no shortage of protection products out there. We compare providers carefully, look closely at policy definitions, and find cover that fits your circumstances, not just the most convenient option.
- Mortgage and protection together – Because our advisers handle both, nothing gets looked at in isolation. We'll structure your protection alongside your mortgage, so everything works as it should, and there are no gaps.
- Straight talking – Good protection advice means being honest, not just helpful. If something isn't right for you, we'll say so. If there are limitations in a policy worth knowing about, you'll hear them from us before you commit.
- We're here for the long term – When your circumstances change, your cover should change with them. Our clients know they can come back to us for a remortgage, a protection review or a conversation about whether what they have still makes sense.
For more detail, read our guide: Your guide to the different types of protection.
Arrange Your Protection Consultation
Contact us today to discuss your protection needs with our expert advisers.
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