There are a number of different types of insurance products available to help you and your family out financially should the unthinkable happen. We all try not to think about it too much, but how would your family continue to pay the bills if you were no longer around? Or how would you continue to provide for your family if you were seriously injured or became ill and couldn’t work?

It is a good idea to review your life protection periodically and especially important after a change in your financial situation, be it a new job, addition to the family or change to your mortgage.

Term Assurance

Also known as term life insurance. This pays out a lump sum if you die, normally used to cover your outstanding mortgage amount, and can include more than one person. 

Critical Illness

This pays out a lump sum if you become seriously ill. The three main reasons for a pay out are certain stages and types of cancer, heart attack or stroke. However, a wide range of illnesses can be covered.

Family Income Benefit

Provides a monthly income for your family if you die. This can help pay for the bills for the family you have left behind. The amount and length of cover can be adjusted to suit your needs and budget.

Income Protection

Provides a monthly income if you cannot work due to an accident or illness. These policies can be used for the self-employed or in conjunction with employer benefits for the employed.

Home Insurance

Buildings insurance is a condition of any mortgage because it protects the asset which the loan is secured against. Contents insurance covers anything inside (and sometimes outside) of the home that is not part of the structure of the building. Cover can vary greatly so it’s important to compare level of cover as well as cost.

Lupo Mortgage Services is based in Wolverhampton, but we operate throughout the whole of England and Wales.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages such as commercial BTLs are not regulated by the FCA.

Lupo Mortgage Services is an appointed representative of Julian Harris Mortgages Ltd which is authorised and regulated by the Financial Conduct Authority, No. 304155. The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at