Bespoke personal protection solutions
Securing property is a significant achievement; protecting the lifestyle built within it is a quiet necessity.
We do not offer off-the-shelf insurance packages or pre-determined policy combinations. Our specialist protection adviser evaluates your individual financial commitments, family structure, and employment benefits to construct an unassailable financial shield.
Life assurance
Decreasing vs. Level term
Financial certainty for your family in the event of death.
Decreasing term cover: Engineered specifically to mirror capital-and-interest repayment mortgages. The sum assured decreases over time in line with your outstanding mortgage balance, providing a cost-effective solution to ensure your debt is cleared entirely if the worst happens
Level term cover: Delivers a fixed, non-reducing lump-sum payout throughout the entire duration of the policy. This is the ideal choice for interest-only mortgages, leaving a substantial financial legacy, or replacing lost family income over a defined term.
Key feature: Fixed monthly premiums guaranteed not to rise over the policy term.
Critical illness cover
Tax-free capital payouts upon diagnosis of a serious condition.
Modern medicine continues to improve outcomes, yet a major health diagnosis can halt your earning capacity instantly. Critical illness cover pays a tax-free lump sum upon the diagnosis of specified conditions — including heart attacks, strokes, and many forms of cancer.
Practical utility: Payouts grant you total financial freedom when you need it most — whether clearing your mortgage in full, funding specialist private treatment, or modifying your home to maintain independence.
Key feature: Comprehensive medical condition definitions, including children's cover options.
Income protection
Tax-free monthly salary replacement for injury or illness.
Your ability to earn an income is your most valuable financial asset. If an accident, stress, or long-term illness prevents you from working, Statutory Sick Pay or basic savings will rarely cover your household commitments for long.
Practical utility: Income protection pays a tax-free monthly income of up to 60-70% of your gross earnings. Payouts begin after a chosen deferral period and continue until you are well enough to return to work, reach your chosen retirement age, or the policy term ends.
Key feature: 'Own occupation' claim definitions that protect your specific profession.
Private medical insurance
Rapid diagnostic access, specialist choice, and treatment speed.
Navigating long medical waiting lists when un-well brings unnecessary strain to family life. Private Medical Insurance provides swift access to top-tier consultants, private hospital accommodation, and advanced medical therapies.
Practical utility: From initial diagnostic scans to surgical procedures and post-operative care, PMI ensures you and your family bypass administrative queues and receive prompt, comfortable care.
Key feature: Direct access to specialist diagnostic pathways and hospital choice flexibility.
At Campden Brook we advise in certain areas, and for those that require specialist licences, we partner with others to help provide an all-encompassing advice arena. This covers additional areas like Business Protection, Private Medical Insurance, and Equity Release / Later Life lending advice.
The protection gap audit
How our specialist adviser scrutinises existing policies for fair price, value, and hidden exclusions under FCA Consumer Duty guidelines.
A staggering number of UK homeowners maintain legacy insurance policies that no longer align with their current circumstances. Many were arranged years ago as an afterthought during a rapid property purchase, featuring outdated medical definitions, indexation mismatches, or reviewable premiums that increase sharply over time.
Under the Financial Conduct Authority’s Consumer Duty framework, our adviser conducts thorough, plain English audits of existing protection portfolios. We do not replace policies for the sake of it; we examine whether your existing cover genuinely delivers fair value and robust security.
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Price & value alignment: We benchmark your existing premiums against modern market rates to ensure you are not overpaying for outdated terms.
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Scrutinising definitions & exclusions: We review historical policy wordings to uncover hidden exclusions or restrictive claim definitions that could compromise a claim when you need help most.
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Eliminating coverage shortfalls: We calculate whether your current cover keeps pace with your updated mortgage balance, inflation, salary changes, or new family additions.
The trust advantage
Why we place your policies into Trust free of charge to eliminate probate delays and 40% Inheritance Tax exposure.
Arranging a life insurance policy is only half the task; ensuring the payout reaches your loved ones swiftly and intact is equally vital. If a life policy is not formally written in Trust, the lump-sum payout forms part of your legal estate upon death.
This introduces two severe complications at the worst possible moment:
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Probate delays: Your family must wait for Grant of Probate before the insurance company can release the funds — a process that routinely takes six to twelve months. During this time, mortgage payments and household bills remain due.
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40% Inheritance Tax (IHT) exposure: Payouts inside your estate may be subject to a 40% Inheritance Tax charge if your total assets exceed statutory thresholds, handing a substantial portion of your family's safety net to HM Revenue & Customs.
Our solution
At Campden Brook, we place all eligible personal protection policies into an appropriate legal Trust as standard practice, entirely free of charge.
By writing your policy in Trust, the payout passes directly to your chosen beneficiaries — usually within days of a valid claim — completely bypassing probate court and remaining entirely outside your estate for Inheritance Tax calculations.
Trusts are not regulated by the Financial Conduct Authority.
Start the conversation
Whether you are stepping onto the ladder for the first time, moving home, refinancing an existing property, or securing your family's future — our senior team is ready to listen.