Protection is often an afterthought for most. The type of insurance you wish you had when it’s too late. We get it; if you’re in good health it’s all too easy to think you’ll never need Life, Critical Illness Cover and Income Protection.

But if serious illness or injury does touch your life, having the right cover that enables you to pay off your mortgage and cover the bills will make all the difference.

We can provide you with the peace of mind that comes with knowing that you and your lifestyle are protected if something should happen.

Life Insurance

Ensuring you have adequate life cover can help not compound the stress and grief for your loved ones if you are no longer around. This is especially important if you’re the breadwinner of the family. It can be used to pay off large financial commitments, such as your mortgage, or can be invested to generate a regular income.

There are different types of life insurance such as level term, decreasing term and family income benefit. We’d be delighted to discuss the pros and cons of these policies so you can make an informed decision as to whether you need life insurance and which type of policy would be best for you.

Critical Illness

Health can be extremely fragile. One minute you can be as fit as a fiddle and the next you could contract a terminal illness such as cancer. This can be absolutely devasting – not just emotionally but financially too.

It is possible to secure your finances against a future illness so if the worst does happen your family are able to meet ongoing financial commitments, such as your mortgage, without having to worry about your ability to work. Many insurers also offer Children’s Critical Illness cover at no extra cost. This protects children from 30 days to 18 years of age and up to £25,000 tax free, per policy, per child.

Policies vary depending on the provider, so it’s crucial to understand the differences. We will be your advocate and ensure you have the right policy for your needs.

Income Protection

Most of us have insurance for our cars, home and even pets but many don’t protect what pays for it all, our earnings!

Life can be unpredictable. The last couple of years have certainly shown us that as many of us have had our lives turned upside down by a global pandemic. Knowing that your employment can be affected – not only by illness or accident – but an uncertain job market means it is prudent to consider a policy that can safeguard your financial security should you find yourself out of work suddenly.

Income Protection Insurance can cover a wide range of situations and has the potential to pay out for many years, even up until retirement age. We can talk you through the options available from our panel of well-known insurers and advise on the right policy for you.

Please note, LeaderFox does not charge an advisor fee.

LeaderFox is a trading style of Macwoolf Mortgages Ltd which is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Advance Mortgage Funding which is authorised and regulated by the Financial Conduct Authority.


The Financial Conduct Authority does not regulate most Buy to Let Mortgages.

Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage, you should think carefully before securing other debts against your home. There are other ways to manage debt such as free debt advice charities, you can find out more by contacting the Money Advice Service as these services may be more suitable for you.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

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