Your protection is our priority – let us guide you
Let us guide you through the world of protection. Whether you’re looking for life insurance, critical illness cover, or income protection, we’ve helped clients safeguard everything from their family’s future to their financial security in times of uncertainty. With our expertise, we’re confident we can save you money, time, and unnecessary worry.
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Our services: expert guidance for your protection needs
Many people aren’t aware of the range of options available to protect themselves and their loved ones financially. With the right protection, you can ensure peace of mind and security for the future. Let our expert advisors guide you through the process, helping you find the ideal life insurance, critical illness cover, or income protection policy to suit your needs, all while giving you the confidence that you’re fully covered.
You should consider income protection if:
You rely on your income for living costs, a mortgage, or supporting your family. Income protection provides a safety net, covering a portion of your earnings if illness or injury prevents you from working.
Learn moreYou should consider critical illness if:
Protect your finances with critical illness cover. If diagnosed with a serious condition, you’ll receive a lump sum payout to help cover medical costs, mortgage payments, or daily expenses, ensuring peace of mind during recovery.
Learn moreLife insurance calculator
How much cover might you need?
Answer a few questions about your family, income and mortgage. You’ll see three levels of cover, from the minimum to protect your home to the maximum to keep your family’s life as it is.
What would you like to see?
Pick any or all of them.
You and your family
Your income
A year, before tax. Self-employed? Use your profit, or your salary and dividends.
Your mortgage
Cover you already have
This comes off what you’d need.
Medium cover
- Life cover pays out if you die. This level clears what you owe and gives your family 50% of your take-home pay until your youngest is 18.
- Critical illness pays a lump sum if you’re diagnosed with a serious illness the policy covers, such as many cancers, heart attacks and strokes. This level clears the mortgage.
- Income protection pays a monthly income if you can’t work through illness or injury. This level is about the most insurers allow, for up to 2 years per claim.
The three levels side by side
| Minimum | Medium | Maximum | |
|---|---|---|---|
| Life cover | £190,000 | £425,000 | £755,000 |
| Critical illness | – | £180,000 | £245,000 |
| Income protection | £1,000/mo | £1,950/mo | £1,950/mo |
Worth knowing
Income protection would start after 4 weeks off work as you’d only get statutory sick pay. Savings could let you wait longer, which costs less.
This is cover on your life. If your partner earns too, run it again with their figures: couples usually cover both.
How we worked out the life cover
Take-home pay of about £31,600 a year, after Income Tax and National Insurance at 2026/27 rates. Funeral figure from SunLife’s Cost of Dying 2026 report. No allowance for inflation, investment growth or state bereavement benefits.
An idea of cover, not a recommendation. Figures are rounded and leave out the cost of cover, which depends on your age, health, smoking and the term. Every insurer has its own rules on how much it will cover.
This is an idea of the cover you might want to think about, not a recommendation. The right cover depends on your health, your budget, what your employer provides and your plans, and an advisor would look at all of that with you before suggesting anything.
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Protection tailored to every circumstance
At Barrett Mortgages, we understand that everyone’s financial situation and goals are unique. That’s why we offer bespoke protection solutions designed to suit your individual needs.
Relevant life insurance
A tax-efficient life cover policy for employees or directors, paid by their employer. It provides a lump sum to their family if the insured passes away during their employment.
Learn moreDecreasing term assurance
A policy where the payout decreases over time, often matching a repayment mortgage. It ensures outstanding debts are covered, providing affordable protection for financial commitments that reduce over time.
Learn moreLevel term life assurance
A policy that provides a fixed lump sum payout if the policyholder passes away during the term. The payout amount remains the same throughout, offering consistent financial protection.
Learn moreSelf-employed protection policies
Designed for self-employed individuals, these policies provide financial security by covering lost income due to illness or injury. Options include income protection, critical illness cover, and life insurance.
Learn moreLife insurance for smokers
Life insurance for smokers typically comes with higher premiums due to increased health risks. However, tailored policies ensure financial protection for your loved ones despite these higher costs.
Learn moreRun the numbers
As a freelance musician with complex employment contracts, securing a competitive remortgage was tougher than I expected. Barrett Mortgages made it seamless and got me a better rate than I’d hoped for. I highly recommend them!
Why choose Barrett Mortgages?
Mortgage Solutions Tailored To You
At Barrett Mortgages we specialise in finding a mortgage solution that suits you, your circumstances and your lifestyle. We utilise our years of expertise and work with you to find you the right mortgage.
Flexible Finance Options
We understand that finances look different for everyone, so we are committed to helping you find a finance option that empowers you.
Full Support
Our experienced advisors will support you until the acquisition is complete, ensuring that you are fully informed throughout the process. Never hesitate to give us a call!
Every advisor is CeMAP qualified Equity release advice from a CeRER-qualified advisor Meet the team
Chat with a Specialist
Who will guide you through the qualification process. During our initial consultation, we aim to provide an idea of your maximum loan amount, monthly payments, and associated costs where possible, while answering any questions you may have.
Schedule a callbackFind your solution
Once we have found your solution one of our dedicated advisors will compare all suitable products and prepare your mortgage application. We’ll then handle the submission and work towards securing your formal mortgage offer.
Get my mortgage planTurn Your Dream into Reality
We’ll make the final steps as smooth as possible, coordinating with lenders to ensure a seamless process—ready for you to get the confirmation to your new venture!
Get startedTried, Tested & Trusted by YOU
Beyond Great
Spoke to a guy who works there called Glen who was extremely helpful - very professional service and went beyond what was needed to help me. Thanks!
Excellent Service
Beth at Barrett Mortgages is always professional, helpful, easy to contact when needed. I've used her a few times and have recommended her to colleagues. Excellent service each time and I will continue to go to her in the first instance when I need a mortgage broker in future.
I Would Highly Recommend
I would highly recommend Barrett Mortgages. Used them to get my first mortgage and they were brilliant. Special mention to Beth who helped with everything and was always on hand to answer my questions and provide guidance. Superb service!
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