Appointed representative of CMME Mortgages and Protection Ltd · FRN 414798 Brokers, not lenders · Whole of UK
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FCA regulated advice

Life assurance

Borrowing is the easy part to arrange. What happens to it if you are not here is the part people postpone — and the part that ruins families.

Cover types Life, CIC, income
Written in trust Standard practice
Business cover Yes
Regulated Yes, FCA

What we arrange

01 Level and decreasing term assurance matched to mortgage and portfolio debt
02 Critical illness and serious illness cover, with the definitions actually compared
03 Income protection for the self-employed and company directors
04 Cover written in trust so it pays out fast and outside the estate
05 Key person and shareholder protection for trading businesses
06 Relevant life policies paid through the company where that is efficient

Questions we get asked

Isn't my lender's cover enough?

It is rarely the cheapest and almost never written in trust. Both matter more than the brochure.

Why does 'in trust' matter?

A policy in trust pays the people you name quickly and typically outside your estate for inheritance tax. It costs nothing extra to set up correctly.

I have existing policies. Should I keep them?

Often yes — older policies can be excellent value. We review before we replace, and we will tell you when doing nothing is the right answer.
Debt without cover behind it? An honest view on whether it can be funded, and roughly on what terms. No credit search.
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Your home may be repossessed if you do not keep up repayments on your mortgage. Craddock Financial Solutions Ltd is an appointed representative of CMME Mortgages and Protection Limited, authorised and regulated by the Financial Conduct Authority, FRN 414798.