Consumer Duty Statement

Lifeline Protect Limited is a FREE Mortgage and Insurance broker and have been providing these services since 2013.

We believe that obtaining a mortgage is not difficult and we are happy to offer our FREE services to all clients, be it First time buyers or Home owners. On our panel of banks we have high street banks, specialist lenders, building societies etc and we believe we can try to provide you a solution for every situation.

We take pride of the fact that we work proactively and inform our existing clients when their remortgage is due and try to obtain a better deal for them from the banks in the market, thus saving them on £100’s of pounds in some cases.

Our qualified mortgage advisors are available to discuss your requirements at your convenience and share the deals available

Our Insurance services cover Personal Protection and Home & Landlord Insurance products. We have access to all the major insurance providers in the market and all our insurance advisors are Qualified in providing advice tailored to your NEEDS

“We don’t use fancy words to sell our service. We talk your language and understand that you prefer to talk to someone who could explain the products in simple language”

• LifeLine Protect Limited is an appointed representative of Religare UK Limited which is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number 309439.
• LifeLine Protect Limited is entered in the Financial Services Register under reference number 607618.

Building and/or Contents Insurance

if you have a mortgage, your lender will insist that your property (and their security) is protected by buildings insurance.Whether you need buildings insurance, contents insurance or a comprehensive building and contents policy, we compare multiple insurers to find the right level of cover for you. And if your needs are a little out of the ordinary, we can usually offer a great rate where other companies would struggle to even quote.

Landloard Insurance

Because let homes are, by their nature, a non-standard insurance risk, all our policies are designed especially for the landlord's individual situation and our staff have a high degree of knowledge in this field.

Life Insurance

Life insurance is the one of the foundation blocks of any financial planning. Life Insurance is one of the most important, simple, popular and cost effective way of ensuring that your family or liabilities such as mortgages or loans are protected in case of your death.

There are different types of life insurance

You could select – Level term policy or deceasing term policies – Your insurance consultant will be the best person to recommend the appropriate type of cover for you.

Duration of life cover

Life insurance can be bought for a fixed term between 5 to 40 years and can run right up until your 90th birthday.

Single or Joint cover

Life insurance is available either as a single or a joint policy. If you were to take a joint policy for you and your partner, normally the insurer would pay out when the first person dies. Once the insurer has paid out the policy will finish, leaving the surviving partner uninsured.

The alternative is to take out two individual policies; this means you will both covered separately and the insurer will pay out for deaths. Running two policies can be more expensive but most insurers will give you extra discounts to help, give us a call to find out more about single or joint policies.

Life insurance prices

The cost of a life insurance policy is calculated based on your age and whether or not you are a smoker. Other factors that will affect your premium is how much you would like to be covered for, the type of policy (level or decreasing) that you are applying for and the length of time you wish to be insured for.

Serious Illness Insurance

Serious illness cover is similar to critical illness cover but rather than paying out when a condition becomes critical you can receive an earlier pay-out depending on how severe the illness has become.

Here’s why you’re up to twice as likely to get a payout from us than a typical critical illness policy:

The alternative is to take out two individual policies; this means you will both covered separately and the insurer will pay out for deaths. Running two policies can be more expensive but most insurers will give you extra discounts to help, give us a call to find out more about single or joint policies

How Serious Illness Cover works

For most conditions, a typical critical illness policy would give you a payout for your full cover amount, or nothing at all. This can leave you with nothing to help you cope with an illness that's having an impact on your life. Serious illness cover give you a percentage of your cover amount depending on how severe your condition is.

If you make a claim for a condition that pays out part of your cover amount, serious illness cover keep covering you for the remaining amount. So if your condition gets worse, or you're diagnosed with a more severe condition, you can claim again. You can do this until you've used up your whole cover amount

Why you're more likely to get a payout with Serious Illness Cover

Serious illness cover more conditions than other insurers. They also cover earlier stages of certain conditions - in some cases, make partial payouts when you're diagnosed, rather than waiting until you have surgery or develop permanent symptoms. Together, these things mean you are more likely to get a pay out with our cover, than with a typical critical illness policy

Income protection insurance

How would you pay the bills if you were sick or injured and couldn't work?

In case of an unexpected event, an income protection cover can help you to cope with the losses.

• Income protection provides a pre agreed income in case if you are not able to work due to long term sickness or injury.
• It is one of the most important type of insurance as the chances of loss of income due to long term sickness and injury is higher than death or any serious illness cover.
• You can have the peace of mind that if you get back to work in any reduced capacity the insurance will take care of the reduced income
• Select according to your budget. You can select a limited income protection or full income protection plan till retirement.
• The income protection payments are tax free and you could apply from 55% - 70 % of your gross income to be protected.

Private Medical Insurance

LifeLine Protect will help you to

• Identify the best private medical insurers
• Identify the most cost effective medical insurers
• Identify the most comprehensive covers in the market

Why should I buy a Private medical insurance ?

• Private medical insurance covers allows you to avoid NHS waiting lists and receive fast track consultations
• Private medical insurance covers can cove you for essential treatments, surgery, consultations, nursing and hospital care.
• Private medical insurance gives you the option of specialist referrals and access to the most effective drugs for treatment.

Whole of Life Covers

GUARANTEED

whole of life plans to provide protection without any fixed term.

Whole of life insurance guarantees the payout of a lump sum whenever the policy holder dies. Traditional life insurance covers for a certain number of years like the term of mortgage or a fixed term. Whole of life insurance covers don’t have a term they payout on death as long as the monthly direct debit has been maintained.

In recent years the insurance companies have started providing guaranteed premium which makes sure that the clients can choose the most affordable premium which they can maintain even beyond retirement age.

We at LifeLine Protect are at hand to identify the most appropriate whole of life covers for you. It is a long term cover that may extend beyond your retirement age and hence it is equally important to get an expert advice.

Whole of Life insurance covers can be used to

• Provide a fixed amount of benefit to your dependents on death. Since death is guaranteed, the payout will be guaranteed
• Place cover to mitigate inheritance tax liability
• Provide cover for funeral costs
• Leave a legacy for the family

Contractor Mortgage

For contractors, getting a mortgage at a reasonable rate can be painful. For many years, it's been a frustrating, time-consuming process. We can assist in arranging mortgages for most types of UK contractors.

First Time Buyer

Buying a property for the first time is very challenging, particularly if you have had any credit problems. This is why it is important to get expert professional help, it will be your largest financial transaction so why risk losing the property of your dreams by not knowing how to ensure a successful purchase.

Remortgage

Remortgaging means replacing your existing mortgage deal with a new deal. By remortgaging, you may be able to gain access to better rates, saving you significant amounts on your monthly repayments.

Not only can remortgaging mean better rates, it can also enable you to borrow against your home, so that you can carry out home improvements, make your dream purchase or consolidate your existing debts.

If you are looking to remortgage, our team of fully qualified mortgage advisers can help. We can compare a vast amount of remortgage deals from over 90 lenders to ensure we find you the perfect deal.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Buy To Let

Unlike a residential mortgage, a buy-to-let mortgage is specifically for properties that will be rented out to a third party. Whether you already have a property portfolio, or you are looking to purchase your first buy-to-let, we can help you with your mortgage

We also assist with Limited company purchases and have access to a large number of buy-to-let lenders and are able to match you with the mortgage to suit your circumstances. Our fully qualified mortgage advisors will assist you throughout the process.

Home Mover

Getting a mortgage for your new home is similar to getting a mortgage as a first-time buyer. Lifeline Protect can assist you with porting your current loan, apply for a new mortgage and provide you with the mortgage advice that you need.

Credit Problems

At Lifeline Protect we can assist you in obtaining a mortgage for clients with redit problems and look to help the client get a mortgage approved. Credit issues include

Some of the most common credit issues are:

• Past Mortgage Arrears
• Missed Credit Card Payments
• Defaults
• Debt Management Plan

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