Life insurance
Pays a lump sum if you die during the policy. Decreasing cover reduces broadly in line with a repayment mortgage; level cover pays the same amount throughout, which suits interest-only mortgages or providing for a family.
Protection that keeps the plan intact.
A mortgage is a long commitment. The right cover means your home, and the people in it, are looked after if life takes an unexpected turn.
We don't sell off-the-shelf packages. We look at what you already have, including any cover through work, and recommend only what fills a real gap.
Critical illness cover
Pays a lump sum if you're diagnosed with one of the specified serious illnesses in the policy. It can clear or reduce a mortgage, or give you breathing space while you recover. Policies differ in what they cover, so we'll explain the definitions.
Income protection
Pays a regular monthly income if you can't work because of illness or injury, after a waiting period you choose. For many people it's the most valuable cover of all, and the one most often overlooked.
Family income benefit
Instead of one lump sum, pays a regular income to your family for the rest of the policy term if you die. It's often a cost-effective way to replace a salary.
Whole of life cover
Cover that lasts for the rest of your life rather than a fixed term, sometimes used to help with estate planning. We advise on non-investment whole of life policies only.
Private medical insurance
Faster access to private diagnosis and treatment, with more choice over specialists and hospitals. Policies vary a great deal in what they cover, and premiums usually rise with age.
Please be aware that Campden Brook are not authorised to provide advice on Private Medical Insurance, this will be referred to a trusted third party adviser.
Through our specialist network
Trusts, set up at no charge
Writing a life policy in trust can mean the payout reaches the people you choose more quickly, without waiting for probate, and may keep it outside your estate for inheritance tax. Where it's suitable, we'll help you set this up at no extra cost.
Trusts are not regulated by the Financial Conduct Authority.
A review of what you already have
Policies taken out in a hurry years ago can drift out of step with your mortgage, your family or your income. Our adviser will review your existing cover in plain English and tell you honestly whether it still does the job. We don't replace policies for the sake of it.
We're paid for protection advice by commission from the insurer. We'll explain how that works before you go ahead.
Protection questions
How much cover do I need?
It depends on your mortgage, your income, who relies on you and what cover you already have. We'll work it out with you rather than picking a round number, and we'll explain the cost of different levels of cover.
I have cover through work. Isn't that enough?
It may help, but cover through an employer usually ends when you leave that job, and it may not be enough to clear a mortgage. We'll look at it alongside everything else.
Do I need to tell the insurer about my health?
Yes. You need to answer the insurer's questions fully and honestly. If you don't, a claim could be reduced or declined. We'll help you through the application so nothing is missed.
Can I change my cover later?
Your needs change as life does. Some policies let you increase cover at certain life events without fresh medical questions. We'll review your cover with you when things change, such as moving home or starting a family.
Talk to us about protection
Tell us a little about what you're planning. A member of the team will come back to you, usually within one working day.
- Call
- 01386 303000
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