Protection
Life is full of uncertainties, but the right protection gives you peace of mind when it matters most. At Blue Sky Mortgages, we offer independent advice across a wide range of protection products, helping you choose cover that fits your needs, lifestyle and budget.
Whether you want to protect your income, your family or your home, our advisers are here to guide you with simple, straightforward support.
Independent protection advice that suits your circumstances.
We assess premiums, benefits and policy features in detail, explaining your options clearly so you can make informed decisions with confidence.
As independent advisers, we’re not tied to any insurer, so every recommendation is completely impartial and designed to give you the right level of protection for your circumstances.
Our aim is to make arranging protection simple and transparent – giving you peace of mind from the very start.
Independent protection advice
Whole-of-market access
No complicated jargon
Friendly, efficient advisers
In person, online or phone
Life Insurance
Provides financial security for your loved ones if the worst should happen.
Critical Illness Cover
Pays a lump sum if you are diagnosed with a serious illness covered by the policy.
Critical Illness Cover pays a tax-free lump sum if you are diagnosed with a specified serious condition, such as cancer, stroke or heart attack. This support can help cover household bills, medical costs or lifestyle changes during a difficult time. We help you understand exactly what is covered and find a policy that provides reliable protection for you and your family.
Income Protection
Income Protection pays a monthly benefit if you can’t work due to illness or injury.
If illness or injury stops you from working, Income Protection provides a monthly payment to help cover essential outgoings such as your mortgage, rent or bills. We compare a wide range of insurers and explain your options clearly so you can choose a policy that matches your job, lifestyle and financial commitments. It’s a valuable safeguard against unexpected loss of income.
Buildings & Contents Insurance
Protect your home and belongings against damage, theft or unexpected events.
Whole-of-market access to an extensive range of insurance products.
FAQ
Your Insurance Questions Answered
Protection insurance is designed to safeguard you and your family financially if something unexpected happens, such as illness, injury or death. It helps cover essential costs, repay debts or support your loved ones during difficult times. It’s an important part of long-term financial planning.
We advise on Life Insurance, Critical Illness Cover, Income Protection, and Buildings & Contents Insurance. Each type of cover protects against different risks, and we help you choose the policies that best fit your needs and budget.
Although it’s not always required, many people choose protection to ensure their mortgage and household expenses can still be covered if they’re unable to work or if they pass away. We can help you understand which policies may be suitable for your situation.
This depends on factors such as your mortgage balance, income, family commitments and lifestyle. We review your situation in detail and recommend cover that gives you the right level of financial security.
Income Protection pays a monthly benefit if you’re unable to work due to illness or injury. Payments continue until you return to work or until the end of your chosen benefit period. It’s designed to replace part of your income so you can keep up with essential living costs.
It depends on the insurer and the medical history involved. Some conditions may be excluded or may affect the premium. We speak with a wide range of insurers to find the most suitable options based on your health and circumstances.
Protection policies vary in cost depending on your age, health, lifestyle and the level of cover you choose. Our advisers compare the whole market to find affordable options that fit your budget.
Yes. You can review or update your protection as your circumstances change — for example, if you buy a home, have children or increase your income. We’re always available to review your cover and ensure it still meets your needs.
Yes – we provide protection advice nationwide. You can speak to us in person, online or by phone, whatever works best for you.