Most people learn what financial risk means only after it happens. Our risk simulator shows you first — what lost or reduced income could mean for the mortgage you'll carry for decades, and for your financial stability — while every option is still open to you.
ProActivLife Ltd (FCA 628708) is an appointed representative of Financial Expert Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA 591556).
What would you like to explore?
Mortgage, protection, or both — every conversation starts with education, not a sales pitch.
Educate, advise, arrange, support — the four stages every client moves through, at every life stage.
You understand your risks before you decide.
Built around your life — not our sales targets.
We handle the detail, and we get it right.
We're here when life changes — and after.
Every client journey moves through all four. No stage is optional.
A mortgage without protection is incomplete. Protection without your mortgage in view is incomplete. Your home, your health, your wealth, your future — completely advised, at every stage.
A mortgage isn't a product you pick once. It's a series of decisions across thirty years — and each one either costs you money or saves it.
Every stage needs a different conversation. Find yours.
Getting on the ladder, explained properly
Talk to an adviser →Before your fixed rate quietly ends
Talk to an adviser →Porting, borrowing more, or starting again
Talk to an adviser →Portfolio lending and the right structure
Most buy-to-let mortgages are not FCA-regulated.
Talk to an adviser →Lenders who understand your accounts
Talk to an adviser →Free 30-minute consultation, no obligation
The right deal from over 2,000 products
Your mortgage offer, without the chasing
Service from real people who care
Free, instant and without a credit check — an indication of what you could borrow in about thirty seconds.
Indicative only — not an offer, a quotation or advice. Based on a typical 4–4.5× income multiple and an illustrative rate, not a specific product. Your figure depends on your full circumstances, outgoings and credit profile.
We’ll use your email to send this figure and have one adviser follow it up — nothing else. No mailing list, no sharing, and you can ask us to delete it at any time. Privacy Policy.
Your adviser will confirm, in writing and before you receive advice, which lenders we can advise on.
Your income is the stabiliser everything else rests on — the mortgage, the family, the plans you've made. Protection is what holds that stability in place when your income can't.
We are paid a commission by the insurer, so our protection advice costs you nothing — the premium is the same whether you come to us or go to the insurer directly. Your adviser will confirm, in writing and before you receive advice, which insurers we can advise on. How we are paid →
What you need to protect changes at every stage.
Your income is the first thing to protect
Talk to an adviser →Cover that changes as your family does
Talk to an adviser →Protection matched to your mortgage
Talk to an adviser →No sick pay, no safety net behind you
Talk to an adviser →Protecting what you have built
Talk to an adviser →Your real resilience, in numbers.
The cover that matters most for you.
Cover in force, structured right.
Facing an insurer alone.
Your income is your most important financial asset. Replace a proportion of it if illness or injury stops you working — for as long as you need, up to retirement.
A tax-free lump sum paid to your loved ones if you pass away — protecting your family and your mortgage, so they never have to worry about the house.
Pays a one-off tax-free lump sum if you are diagnosed with one of the conditions the policy lists, and that diagnosis meets the definition set out in the policy. Most commonly used to clear or reduce the mortgage so that treatment and recovery are not happening alongside a money problem.
A different structure, offered by some insurers. Instead of one fixed sum on a qualifying diagnosis, the payment is proportionate to the severity of the condition — which means it can pay at an earlier stage, and can pay more than once for separate conditions.
Real claims are paid every day across the UK. Here's what the data tells us — and why having the right cover in place matters more than you might think.
Sources: Association of British Insurers (ABI) 2023 Claims Report · Cancer Research UK. Figures are for illustrative purposes.
Sarah had a slip and fall at work and couldn't return to nursing for 7 months. Without income protection, she would have relied solely on statutory sick pay of £116/week. Her policy paid 60% of her salary throughout her recovery.
Mark was diagnosed with early-stage prostate cancer aged 41. His serious illness cover paid a £75,000 lump sum on diagnosis — allowing him to take time off work without financial worry and access private treatment faster.
Priya bought her first home and wanted to make sure her parents — who helped with the deposit — would never lose it. A life policy aligned to her mortgage gave her peace of mind from day one, at under £12/month.
Advice is only half the job. These are the arrangements that decide whether your plan actually works when someone needs it to.
What the law would decide for you.
A will that says what you mean.
A will that stays accurate.
Without a valid will, the intestacy rules decide who receives what, regardless of what you would have wanted. A professionally drafted will settles it while the choice is still yours.
Placing your life cover in trust means the payment can go directly to the people you choose, without waiting for probate. It is arranged as part of your protection advice.
For conveyancing, property matters and anything requiring legal advice, we can introduce you to a solicitor. We do not give legal advice ourselves — we make sure you are talking to someone who can.
Protecting lives. Empowering futures.
Every client we advise is invited to review their adviser once their case completes — and every review we receive counts, whatever it says.
Our new review system goes live with this site, and the first scores will be published as real clients complete their cases. Until then there is nothing here — because a score we had not earned yet would tell you nothing about us, except that we were willing to invent one.
When it does appear, here is how it will work. Every client is invited to review their adviser once their case completes. The score is the average of every review received — not a selection, not a shortlist, not the good ones. Reviews appear most recent first, never sorted or filtered by rating. We moderate only to remove personal data or abusive content, and never to remove a low score. Where a review is critical, the adviser has a right of reply and you will see it alongside.
Fake and incentivised reviews are illegal under the Digital Markets, Competition and Consumers Act 2024. We would not publish them regardless, but you are entitled to know the rule exists and applies to us.
Reviews are invited from every client after completion and shown most recent first. We moderate only to remove personal data or abusive content — never a low score.
Answer three quick questions and we'll point you to the advisers who fit your situation, your language and how you'd like to meet. No commitment, no hard sell — just the right person to talk to.
Free · No obligation · FCA regulated · Advice in 7 languages
Our advisers write about what they know, in plain English — so you can understand your options and make confident, informed decisions.
We break it down so you know exactly which type of cover you actually need — and why having both is often the right answer.
Two different structures, two different answers. Which one fits depends on your circumstances.
From deposit to mortgage offer — a plain English walkthrough of the entire mortgage application process in 2026.
ProActivLife Ltd (FCA 628708) is an appointed representative of Financial Expert Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA 591556).
ProActivLife Ltd is registered in England and Wales (Company No. 08954775). Registered office: 3 Chester Bridge, Crewe, Cheshire, CW2 7EF. You can check our details on the Financial Services Register.
The information on this website is general information to help you understand your options. It is not personal advice and you should not act on it alone. Advice is given only after an adviser has assessed your circumstances, and is always confirmed to you in writing.
This page was last reviewed on 8 September 2026. © ProActivLife Ltd. All rights reserved.
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