Protecting What Matters Most:
Your Complete Insurance Guide
Protection tailored for you
Why Talk Insurance With The Mortgage Dog?
Whether you're getting a mortgage or just want to protect your family's future, we offer comprehensive insurance advice tailored to your needs.
Our approach is simple:
We help you understand what protection you need, explain it clearly, and find the right coverage at the right price.
Who We Are?
We're not just another stuffy financial service.
We're your long-term financial partner committed to helping you protect your what you've worked so hard to get.
Our Promise to You
From your first protection chat to your last review decades from now.
We're not just processing paperwork – we're helping you build and most importantly, protect your life.
Protecting who matters most to you starts now.
Your Protection Options Explained:
Life Insurance
Essential coverage explained:
Pays out if you pass away
Options for level or decreasing cover
Joint or single life policies
Family income benefit alternative
Term length flexibility
Key considerations:
Mortgage coverage amounts
Family expenses coverage
Children's future needs
Education costs
Inheritance tax planning
Critical Illness Cover (CIC)
Comprehensive protection for serious illness:
Tax-free lump sum if diagnosed with specified conditions
Can cover mortgage payments
Helps with adaptation costs
Provides financial breathing space
Optional children's cover
Coverage typically includes:
Cancer
Heart attack
Stroke
Plus many other conditions (policy dependent)
Income Protection
Your Salary's Safety Net - Protecting your monthly income:
Regular payments if you can't work
Short or long-term options
Choice of deferred periods
Own occupation coverage
Flexible benefit levels
Perfect for:
Self-employed individuals
Professionals
Parents
Mortgage holders
Anyone relying on their income
Family Income Benefit (FIB)
Monthly income rather than lump sum:
Regular payments to your family
Tax-free monthly income
Cost-effective option
Easier to budget and manage
Can include critical illness option
Buildings & Contents Insurance
Protecting your property and possessions:
Buildings: structure, fixtures, fittings
Contents: personal belongings, furniture
Optional extras like:
Accidental damage
Home emergency cover
Legal protection
Alternative accommodation
Accident, Sickness & Unemployment (ASU)
Short-term protection:
Covers mortgage payments
Usually 12-24 months benefit
Quick claim process
Includes redundancy cover
Backs up other protection
With all insurance policies, conditions and exclusions will apply.
STILL NOT SURE?
Frequently Asked Questions
Protection Insurance: Your FAQs Answered
How Much Life Insurance Do I Actually Need?
This depends on your circumstances, but typically consider:
Outstanding mortgage balance
Family living costs
Children's education
Future family plans
Any existing cover
For example:
£200,000 mortgage balance
£50,000 for family expenses
£50,000 for children's education
Total cover needed: £300,000
Pro tip: Don't just cover the mortgage - think about your family's complete financial picture.
When Should I Review My Protection Policies?
Regular reviews are crucial, especially when:
Taking out a new mortgage
Having children
Getting married/divorced
Changing jobs
Salary increases
Moving house
Health changes
Ideally review your protection:
Annually
At key life events
When your mortgage changes
If your family situation changes
Remember: Protection needs evolve with your life circumstances. Regular reviews ensure you're always properly covered.
Do I Need Both Buildings AND Contents Insurance?
Understanding your home insurance needs:
Buildings Insurance:
Required by mortgage lenders
Covers the structure Includes permanent fixtures
Rebuilding cost, not market value
Must-have for property owners
Contents Insurance:
Optional but recommended
Covers your belongings
Personal possessions
Can include accidental damage
Essential for protecting valuables
Pro tip: Combined policies often offer better value.
How Does Family Income Benefit Compare to Traditional Life Insurance?
A different approach to family protection:
Traditional Life Insurance:
One-off lump sum
Family must manage large amount
Usually cheaper
Fixed amount
Family Income Benefit:
Monthly tax-free income
Easier to budget
Often more affordable
Decreases over time
Perfect for young families
Example: £2,000 paid out monthly FIB for 20 years vs £500,000 lump sum
What's The Difference Between Critical Illness Cover and Income Protection?
These serve different but complementary purposes:
Critical Illness Cover:
One-off lump sum payment
Pays out for specific serious illnesses
Use the money however you need
Often combined with life insurance
Typically cheaper than income protection
Income Protection:
Regular monthly payments
Covers inability to work through illness/injury
Continues paying until you can work again
Usually around 50-70% of your salary
More comprehensive coverage for illness/injury (The biggest example of this is that an income protection policy will cover you for Stress or Back Pain whereas a CIC policy wouldn't.
Why Should I Use The Mortgage Dog?
The Mortgage Dog's Protection Promise:
We'll help you:
Understand your protection needs
Compare the whole market
Find the most cost-effective solutions
Review regularly
Support with claims if needed
Don't leave your family's future to chance. Let's talk about creating your personal protection plan.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £299.
The Mortgage Dog Ltd (FCA Number 788976) is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. The Mortgage Dog Ltd. is registered in England and Wales under company number 12306191 at the registered address 41a Spout Lane, Washington, NE38 7HP. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority
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