- INSURANCE
Protect your mortgage, your income and your family
Insurance designed around your mortgage, your budget and the people who depend on you.
Speak to an adviser
- CHOOSE YOUR COVER
Three types of protection designed around your mortgage
Life insurance
Provides a lump-sum payout if you die during the policy term, helping your family clear the mortgage or stay financially secure.
Critical illness cover
Pays a tax-free lump sum if you are diagnosed with a serious illness such as cancer, stroke or heart attack, giving you financial support when you need it most.
Income protection
Pays you a monthly income if illness or injury stops you working, helping you keep up with your mortgage and household bills while you recover.
- ABOUT MORTGAGE PROTECTION
What protection could mean for you
Mortgage protection is designed to keep your home secure if something unexpected affects your health or income. It can help you:
- Pay off your mortgage if you pass away
- Receive financial support if you are diagnosed with a serious illness
- Replace part of your income if you’re unable to work
Together, these benefits give your family stability, reduce financial stress and protect the home you have worked hard to build.
Whole-of-market protection advice
Cover tailored to your mortgage & lifestyle
Support through every application
- YOUR PROTECTION OPTIONS
Find the right cover for your needs
Life insurance
Life insurance pays a lump sum if you die during the policy term. Decreasing cover usually aligns with your mortgage balance and is typically the most affordable option.
Level cover pays a fixed amount throughout the term, ideal for interest-only mortgages or families who want a guaranteed lump sum.
Age: 18 to 77
Cover: Up to £5,000,000
Typical cost for a 30-year-old non-smoker: £4 per month (decreasing)
Critical illness cover
Critical illness cover pays a tax-free lump sum if you are diagnosed with a qualifying condition.
Policies can be decreasing or level term. Each insurer covers a different list of illnesses, so choosing the right provider is essential.
Age: 18 to 64
Cover: Up to £1,000,000
Typical cost: From £15 per month (decreasing)
Income protection insurance
Income protection pays you a monthly income if illness or injury stops you working. You choose the payout amount and the waiting (deferred) period to match your needs and budget.
Age: 18 to 59
Cover: £500 to £1,500 per month
Typical cost: £25 to £70 per month, depending on age and benefit level
- What to consider
Key factors to weigh before choosing protection
Protection can provide long-term security, but it is important to choose cover that fits your priorities, lifestyle and budget.
Benefits
Protects your family’s home
Keeps your mortgage secure if something unexpected affects your health or income.
Financial stability during difficult times
Provides a safety net that reduces stress and supports your household when you need it most.
Flexible and tailored to your goals
Choose cover that aligns with your mortgage type, lifestyle and income pattern.
Trade-offs
Premiums vary with age and health
Your circumstances influence cost, but comparing the whole market helps keep cover affordable.
Policies differ between insurers
Not all providers cover the same illnesses or offer the same payout structure, so choosing carefully matters.
Income protection depends on waiting periods
Shorter waiting periods offer faster payouts but typically come with higher premiums.
- Why choose Muttuo
Smart advice. Real results
As an award-winning protection adviser, we specialise in helping families secure the right life, illness and income cover with clear guidance and whole-of-market insight. Our client-first approach has been recognised nationally for two years in a row.
1
Whole-of-market access
We compare protection from leading UK insurers to find cover that matches your budget and your mortgage.
2
Expert, personalised advice
We explain terms like ‘decreasing cover’, ‘level cover’, and ‘deferred periods’ in simple language so you always know what you’re choosing.
3
End-to-end support
From your first enquiry to completing your application, our team is here to guide you through every step.
- Our expert team
Meet our people
Protection isn’t just about insurance, it’s about giving families confidence that their home and lifestyle remain secure, whatever happens.
Chris Herrett
UK Mortgage and property expert
Trusted mortgage brands
- How we work
Three simple steps to get started
1
Apply online in minutes
2
Fill out a quick form
3
Talk with an expert
- Our success stories
How muttuo made the difference
- FAQs
Frequently asked questions
Find out more about what we do, why we do it and how we can help you on your mortgage journey.
Do I really need mortgage protection insurance?
If you have a mortgage and dependents, protection can make a significant difference. It ensures your family can stay in their home even if your income stops.
Can I buy more than one policy?
Yes. Many people combine life insurance, critical illness cover and income protection to support different risks.
How much cover do I need?
This depends on your mortgage balance, income, lifestyle and family needs. We’ll help you find the right level of protection.
What affects the cost of cover?
Age, health status, smoking status, policy length, and cover amount all affect premiums. We compare the market to find affordable options.
What if I cancel or miss payments?
Your protection ends, and no payout is made. There is no cash-in value, so contact us before cancelling to explore your options.
How do claims work?
Claims are submitted directly to the insurer. Once approved, they pay out either a lump sum or a monthly benefit, depending on your policy.
Questions? We’re here to help
Whether you’re a first-time buyer, moving on, seeking a better deal or looking for cover to protect you and your home, we’ll help you find the perfect solution.