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Long-term accident and sickness protection with additional unemployment insurance

Mortgage & Lifestyle Protection

Now you can protect your clients against ill health and unemployment with our total income protection solution; Mortgage & Lifestyle Protection.

Cover features

  • Long term, own occupation income protection.
  • Protect mortgage expenses, living expenses or both.
  • Level cover (with an inflation-linked option for living expenses).
  • Your client can cover up to 50% of their current gross income (max cover is £50,000 a year or £4,166 a month).
  • Option to add unemployment cover (not available on its own).
  • The minimum premium is £10 a month, but there is no maximum.
  • Back to work support.
  • Waiver of premium automatically included.

Important information

  • Level cover won't keep up with inflation and could buy less in the future.
  • The amount of cover chosen cannot be more than half of your client's earned income.
  • We'll only pay a maximum of 12 months unemployment cover on any one claim and up to a total of 36 months over the lifetime of the plan.
  • There is no cash in value at any time.
  • If your client stops paying their premiums, their cover may cease.

How to buy

You can get a quote here, and once you've submitted your client's application, you or your client can book their tele-inteview appointment using our on-line booking system.

Find out if your client is eligible

Quote and apply with 10% LAUTRO uplift

0800 678 1890

TextDirect: first dial 18001

9am - 5.30pm Monday - Friday

We may record and/or monitor calls for training and audit purposes.


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We've won a range of awards for the quality of our service and products.

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Will it pay?

We're proud of our claims history. Find out how much we paid policyholders in 2015.

More about our claims history

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Our online resource of pre-written letters, tools, calculators and more to help you generate leads.

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Member benefits

Every client who takes out one of our protection products is entitled to a range of value-added benefits.

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LV=, County Gates, Bournemouth, BH1 2NF, UK