Consultation
Protection Gap Review
A practical audit of life, critical illness, and income protection against mortgage and family costs.
From £620 fixed review fee
Who it is for
Mortgage holders and dual-income households who last reviewed cover at application and have not revisited it since a promotion, birth, or remortgage.
What is included
- Document review of existing policies and employer benefits
- Gap analysis against mortgage balance and essential monthly costs
- Written recommendations on whether to keep, amend, or seek fresh quotes
- Referral list for independent brokers when new cover is warranted
What is not included
- Selling or arranging insurance policies ourselves
- Medical underwriting advocacy
- Claims handling on existing policies
How we work together
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1
Policy collection
You send schedules and any workplace benefit summaries.
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2
Gap session
We compare cover to debts and living costs, noting overlaps and thin spots.
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3
Written brief
A short report you can take to a broker or keep as a household record.
Practical details
- Duration
- About two weeks
- Delivery
- Video or in-person
- Preparation
- Policy schedules, mortgage redemption statement, and monthly essential budget
- Fees
- Fixed £620 for one household; business-owner key-person reviews quoted separately
- Next step
- Book a Protection Gap Review through the contact form