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Protection Advice From Our Team
Our team live and work locally, and our office is at Pride Park in Derby. We advise on protection ourselves, so you deal with the same team from start to finish.
We look at your mortgage, your family, your work and the cover you already have. Then we recommend cover that fills the gaps, and explain what it does and does not cover.
Types of Protection
Level term life cover
Pays a fixed lump sum if you die during the policy. Often used for an interest-only mortgage or family needs.
Decreasing life cover
The amount falls over time, in line with a repayment mortgage. It often costs less than level cover.
Critical illness cover
Pays a lump sum if you are diagnosed with a serious illness listed in the policy.
Income protection
Pays part of your income each month if illness or injury stops you working.
Family income benefit
Pays your family a monthly income until the policy ends if you die.
Joint or single policies
Cover for one person or two. Two single policies can pay out twice.
Not Sure What You Need?
Our Cover Checker shows which covers people in your position often look at. It takes about a minute.
Getting the Right Cover
Good cover should
- Pay off your mortgage if you die
- Cover the people who rely on your income
- Last as long as your mortgage or until your children are grown
- Fit your budget so you can keep it going
Things to know
- Every policy has terms and exclusions
- Your age, health and whether you smoke affect the price
- Tell the insurer everything they ask, or a claim could fail
- Do not cancel old cover until new cover is in place
How It Works
Get in touch
Use the Cover Checker, call us or send an enquiry.
Free review
We look at your mortgage, family, work and existing cover.
Compare
We compare policies from a range of insurers and explain our recommendation.
Set up
We help with the application and keep you updated until your cover starts.
More Help
Why Choose Mortgage & Finance Arena
Local advisers
Our team live and work locally and know the local area.
We advise ourselves
You deal with our own team from start to finish.
Range of insurers
We compare policies rather than relying on one insurer.
Plain English
We explain what is covered and what is not.
Mortgage and cover together
We make sure your cover matches your mortgage.
FCA regulated
Mortgage & Finance Arena Ltd is authorised and regulated by the FCA (No. 706676).
Life Insurance FAQs
Enough to clear your mortgage and other debts, and to support the people who rely on you. We work out a figure with you.
Level cover pays the same amount whenever you die during the policy. Decreasing cover falls over time, often in line with a repayment mortgage.
It pays a lump sum if you are diagnosed with a serious illness listed in the policy. It can help you pay the mortgage and bills while you recover. It costs more than life cover alone.
Many employees only get Statutory Sick Pay, which is up to £123.25 a week for up to 28 weeks. If you are self-employed, there is no sick pay from an employer. Income protection can fill the gap.
Often, yes. A trust can help the money reach the right people faster and may keep it outside your estate for inheritance tax. We can help you set one up.
Often, yes. Some insurers will cover you, though the price or terms may change. We know which insurers to approach.
Most do not, but if others rely on your income, life cover can pay off the mortgage so they can stay in the home.
Ready to Talk?
Tell us a little about you and one of our team will call you back.
Insurance policies have terms, conditions and exclusions. Critical illness cover only pays out for the conditions listed in the policy. Mortgage & Finance Arena Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 706676).
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Honest opinions from people like you
There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.
The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.
Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.
If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!
There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.