If Cheltenham Mortgage Advisers provides you with advice in respect of your insurance and protection policies our friendly and compassionate advisers will be the point of contact in the event of any claim meaning it can be a hassle free process at a difficult time for you and your family.

The links below depart from the regulatory site of Cheltenham Mortgage Advisers Ltd. Neither Cheltenham Mortgage Advisers Ltd nor Quilter Financial Planning is responsible for the accuracy of the information contacted within the linked sites.

Life Assurance

Life insurance gives you peace of mind that your loved ones will be provided for should you die. There are many different ways to arrange life cover including writing policies in trust to avoid a potential inheritance tax liability. Cheltenham Mortgage Advisers offer advice tailored to your circumstances which includes dealing with the administrative work, assisting with trust documentation and dealing with claims to make it a quick and hassle free process at a difficult time for all.

When protecting a mortgage in this way, life insurance ensures that in the event of death your mortgage is repaid and the costs are not passed on to your dependents or loved ones so that they can remain in your family home.

Trusts and inheritance tax are not regulated by the Financial Conduct Authority.

Critical illness Cover

Critical illness cover pays a cash lump sum on diagnosis of a specified critical illness and can be the solution to your financial worries at this time. For this relatively small cost, you could help you and your family cope for a period of time without income to pay household bills and debts or even have a policy in place to repay your mortgage in full on diagnosis of a specified illness.

Not all Critical illnesses are covered with the insurance providers however, the most likely illnesses in the UK are Cancer, Heart Attack, Stoke, MS or Children’s Cover and are included in most critical illness insurance policies. This type of cover will pay out a lump sum or a partial payment which could pay for other things like: Private medical treatment, prescribed drugs not available through the NHS, changes to your home, paying off all/part of your mortgage.

Income Protection

This type of cover offers customers the security of knowing that they will still receive an income if they are unable to work for a period of time. For example, if you are in an accident and cannot work for a period of time, a lack of comprehensive income protection cover means you will rely solely on state benefit for up to 28 weeks – which is unlikely to be sufficient to meet your mortgage repayments. This is where income protection can help as it provides a tax free monthly payment until you are able to return back to work and could avoid you getting into financial difficulties.

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at

Accident & Sickness Cover

Accident and sickness cover can give you peace of mind knowing that in the event of illness your mortgage payments will be made and your home will be safe. Most standard mortgages do not have any protection insurance included, so it’s important to decide what kind of separate cover you need. Accident and sickness cover insures you against changes in your circumstances due to disability or illness. Usually payments are made for up to a maximum of 12 months. If you would like to be covered for longer than this you may want to consider taking out income protection. For Accident & Sickness Insurance our advisers use Paymentshield.

This Payment Protection insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at

Buildings and contents insurance Cover

We offer a competitive insurance product if you are a Homeowner, Landlord or Tenant from a leading UK insurer, Paymentshield. For your added peace of mind, we can also arrange adequate contents insurance so that your belongings are covered against things like fire, theft and flood. This is one more task we can help with to save you time, and you can have the confidence that you have an extremely comprehensive policy in place to protect the most expensive purchase of your life.

Call us today, to arrange a free initial consultation on 01242 211 610