Protection & Insurance

A mortgage is a major financial commitment - and protecting it is just as important as securing it. At CP Mortgage Solutions, we provide clear, advice-led guidance on life cover, critical illness cover, income protection, and other essential insurance options. Our goal is simple: to help you protect what matters most, with cover that fits your circumstances and budget.

Personal, Advice-Led Protection Tailored to You

Life can be unpredictable, but the right protection plan offers stability and peace of mind.


We take the time to understand your family situation, financial commitments, income, and long-term goals before making any recommendations.


We’ll guide you through:

  • Life insurance to support loved ones
  • Critical illness cover providing a financial cushion during serious illness
  • Income protection to keep finances steady if you’re unable to work
  • Mortgage protection specifically aligned with your repayment plan
  • Additional cover options depending on your lifestyle and needs


With us, there’s no jargon, no confusion - just clear explanations and honest advice.

Protection That Works for Your Whole Financial Plan

We don’t simply generate quotes.


We look at the bigger picture by reviewing any existing cover, identifying gaps, and recommending policies that work alongside your mortgage and wider financial commitments.


Our process ensures that:

  • You’re neither under-protected nor over-insured
  • Existing policies are checked for suitability
  • Your protection evolves as your life changes
  • You receive value for money without unnecessary extras


By working with a wide panel of leading insurers, we tailor your cover so it genuinely protects your family and finances.

Confidence, Clarity, and Peace of Mind

If life takes an unexpected turn, the right insurance can make all the difference.


We help you secure protection that keeps your home, income, and family secure, providing confidence and reassurance at every stage of your mortgage journey.

Protection & Insurance FAQs

  • 1. Do I need insurance to get a mortgage?

    While not legally required, many lenders strongly recommend it - and it’s wise to protect your home, income, and family from unexpected events.

  • 2. What’s the difference between life cover and critical illness cover?

    Life cover pays out if you pass away, while critical illness cover pays a lump sum if you’re diagnosed with a serious condition. Some people choose one; many choose both.

  • 3. How much cover do I need?

    This depends on your mortgage balance, income, lifestyle, and family needs. We assess your full picture to recommend suitable levels of cover.

  • 4. Will you check my existing insurance policies?

    Yes - we review any cover you already have to ensure it’s suitable, competitive, and aligned with your current mortgage and financial circumstances.

  • 5. Are protection policies expensive?

    Not necessarily. Costs vary depending on age, health, cover amount, and type of policy. We search across a wide range of insurers to find affordable, suitable options.