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Your income, health and family, safeguarded against the unexpected.

A mortgage is often the biggest commitment you’ll ever make — but it’s rarely the only thing worth protecting. We advise on Life Insurance, Critical Illness Cover and Income Protection, so a serious illness, injury, or worse doesn’t turn into a financial crisis on top of everything else.

So, what would you like to protect?

Life Insurance

Life Insurance

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Critical Illness

Critical Illness Cover

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Income Protections

Income Protection

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Ben Boss

Financial Advisor

01252 403 245
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Who typically needs cover

Protection isn’t one-size-fits-all. Here’s how it tends to apply across different circumstances:

Homeowners & mortgage holders

If your mortgage relies on your income, protection ensures your family can keep the home if that income stops, rather than facing a forced sale on top of everything else.

Growing families

Childcare, school costs and everyday bills don’t pause for a crisis. Cover is built around replacing your contribution to the household, not just the mortgage payment.

Self-employed & contractors

Without employer sick pay, a period off work can hit straight away. Income protection in particular is designed to smooth that gap.

Renters

You don’t need to own a home to need protection — if others depend on your income, that dependency exists whether you rent or own.

Reviewing existing cover

Old policies bought years ago often no longer match your income, mortgage, or family size. A review can reveal gaps — or savings.

FAQs

Do I need life insurance if I already have a mortgage?

Not necessarily, but what if….

Most lenders don’t require it, but without it your family could struggle to keep the home if you died during the mortgage term. Mortgage protection life insurance is usually set up to reduce, or pay out, in line with your outstanding balance, so the debt doesn’t fall to the people left behind.

What's the difference between critical illness cover and income protection?

Large One-Off Pay Out vs. Regular Income Style Pay Outs

Critical illness cover pays a single lump sum on diagnosis of a specified serious illness. Income protection instead pays a regular, ongoing income if you can’t work due to illness or injury, for as long as you’re unable to work, up to the end of the policy term.

Is protection insurance expensive?

It depends on your age, health, the amount of cover and the term, but basic life cover of for a healthy adult can often be arranged at a cost of around £7/month, that’s less than the cost of a premium takeaway coffee per week. We compare providers to find cover that fits your budget, rather than assuming you need the most expensive policy.

Can I get protection insurance if I'm self-employed?

Yes.

Self-employed people are often the most exposed, since there’s no employer sick pay to fall back on, and providers offer life, critical illness and income protection policies specifically designed for self-employed and contract workers.

Do I need a mortgage with Hobb's to get protection advice?

No. While we often arrange protection alongside a mortgage, we’re happy to review or arrange Life Insurance, Critical Illness Cover and Income Protection as a standalone service, whether you’re a homeowner, renting, or self-employed.

Contact Us

Please call us on 01252 403 245, or complete the form here, providing a brief outline of your enquiry and we will reach out to you to arrange a friendly and informal, no obligations consultation to understand your enquiry further.

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