Protection Advice Made Simple
At CARA Mortgage Services, we believe protecting yourself and your family shouldn’t be complicated or costly. That’s why we don’t charge for advice.
Did you know that nearly 1 in 3 people will face a serious illness during their lifetime? Or that a sudden loss of income could put your home—and your family’s future—at risk? While we all insure our cars and belongings, far too many people overlook protecting the most valuable asset of all: themselves.
Owning a home is a huge achievement and investment, but without the right protection in place, unexpected events like illness, injury, or job loss could threaten everything you’ve worked for.
Why take the risk?
- Illness and injury can affect your ability to earn, sometimes for months or even years.
- Over half of working adults don’t have enough savings to cover even three months of lost income.
- The average additional cost of a serious illness can exceed £30,000, including treatment, travel, and living expenses.
That’s where our expert protection advice comes in. We cut through the jargon and complexity, helping you understand your options and choose the right cover — from Life Insurance and Critical Illness Cover to Income Protection. We work with leading insurers to find the best policies tailored to your unique situation, at a price that works for you.
And it’s not just a one-time thing. As life changes—whether you start a family, change jobs, or take on new financial commitments—we’re here to review your protection and make sure it keeps pace with your needs.
With our no-obligation, no-pressure advice, you get clarity, confidence, and peace of mind. Because protecting your home, your income, and your family isn’t just smart — it’s essential.
Explore our guides below to discover the most popular protection options. Or get in touch today for personalised advice designed around you.
For insurance business we offer products from a choice of insurers.
Protection Guides
Home Insurance
Your quick guide to understanding Home Insurance. It is important to ensure you have the right level of cover for your circumstances. Get in touch with one our Protection Advisers who will recommend the policy which is right for you.
Life Insurance
If your family rely on you and your income to cover the mortgage and living expenses then life insurance is something you will want to have in place to help provide for your family in the event of your death. There are different types of life insurance, and our advisers can help ensure you have the right cover for your circumstance.
Income Protection
If illness or injury caused you to be unable to earn an income, you will need some other way to keep paying the bills and you might want to consider income protection insurance. Have a look at our guide to understand whether Income Protection could be right for you.
Critical Illness
Critical illness insurance will pay out a tax-free, one-off payment if you get one of the specific medical conditions or injuries listed in the policy. It is important to understand the differences and benefits between this and your life insurance. Have a look at our guide, but if you have more questions please get in touch!
I've seen first hand the impact that having the right protection can have on someone’s life which is why I’m passionate about helping customers to safeguard against the future. Insurance is designed to protect you and your family should the worst case scenario become a reality. Here at CARA Mortgage Services we are here to help find the right solution and give you peace of mind that you and your loved ones are protected no matter what life throws your way.