Your family
Help replace lost financial support and give dependants more stability after a death.
Life insurance, made personal
Protection for your life, not only your mortgage.
The right cover can help give the people you care about financial support if the unexpected happens. I’ll help you understand the options and shape protection around your family, commitments and budget.
Personal recommendationClear explanationNo mortgage required
More than a mortgage add-on
Cover should begin with your life.
Life insurance is often mentioned when someone takes out a mortgage, but you do not need a mortgage to consider protection. It can be relevant whenever a partner, children or other dependants could be financially affected by your death.
A policy can provide a lump sum or regular payments to the people you choose. That money could help with housing costs, debts, day-to-day living, childcare or the plans your family is building towards.
Start with what matters
Different lives need different protection.
The right starting point is not a product. It is understanding what would need protecting, for how much and for how long.
Your home and commitments
Consider a mortgage, rent, loans and other financial responsibilities that would remain.
Your future plans
Think about childcare, education, funeral costs and the life your family is working towards.
Your budget
Build cover that is appropriate and affordable, with the terms and limitations clearly explained.
Understanding the options
Protection can take more than one form.
I can explain which form of cover may suit your circumstances and where different policies can work together.
- Life cover
Support after death
Term life insurance usually pays if the insured person dies during the agreed policy term. Level cover stays the same; decreasing cover reduces over time and is commonly used alongside repayment mortgages.
- Critical illness cover
Support after a covered diagnosis
This is separate protection that can pay a one-off sum following diagnosis of a specified condition that meets the policy definition. Conditions and definitions vary by insurer.
- Income protection
Support if illness affects work
Income protection is designed to replace part of your income if illness or injury prevents you from working, subject to the policy terms and waiting period.
The Wilding approach
A clear route from questions to cover.
Complete the confidential health questionnaire in your own time. Your answers create a life-insurance client record for me to review.
An insurer might ask for additional information before offering cover.
- Share
Complete your questionnaire
Share accurate contact, health and lifestyle information through the confidential online form.
- Review
I review the details
I consider your circumstances and the protection options available through my providers.
- Discuss
Discuss suitable options
I’ll contact you to explain potential cover, costs, key terms and any further questions.
- Decide
You decide how to proceed
If you want to apply, I’ll support you through the insurer’s underwriting and application process.
Why the health questions matter
Accurate answers help protect a future claim.
Age, health, lifestyle, smoking history, occupation and the amount and length of cover can all affect availability and price. Please answer every question honestly and accurately. If an insurer needs more detail, it may request further information or, with your consent, a medical report.
Having a medical condition does not automatically mean cover is unavailable, but an insurer may change the premium, apply an exclusion, offer different terms or decline an application.
Good to know
Questions before you begin.
Do I need a mortgage to apply?
No. Life insurance is not a legal requirement for a mortgage and can be arranged as standalone protection for your family or other financial commitments.
Will the questionnaire give me an instant quote?
No. It gives me the information needed to begin a personal review. I’ll contact you to discuss your needs, suitable options and any additional information required.
Does life insurance cover illness or time off work?
Life insurance is primarily designed to pay following death. Critical illness cover and income protection are different products with their own definitions, exclusions and eligibility requirements.
Is cover guaranteed?
No. Eligibility, premiums and policy terms depend on your circumstances and the insurer’s underwriting. Cover only starts once an application has been accepted and the policy is in force.
What happens to my health information?
Your questionnaire answers are encrypted when stored and are available to our team through the authenticated admin portal. They are used to review your protection enquiry. Please read the privacy policy before submitting.
Ready when you are
Start with a few honest answers.
Complete the health questionnaire and I’ll be in touch shortly to discuss protection shaped around you.
Important informationLife insurance and protection policies are subject to eligibility, underwriting, exclusions and policy terms. A claim will only be paid when the policy conditions are met. If premiums are not maintained, cover may end. Many protection policies have no cash-in value. The information on this page is general and is not a personal recommendation.