Safeguard Your Future: Free Insurance & Protection Quotes
Life is unpredictable—but the right protection ensures your home, income, and loved ones stay secure, no matter what. At Delta Mortgages, our experienced advisers offer free, no-obligation insurance advice to help you find the right cover, at the right price.
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Protection Specialists offering a Free, No Obligation Quotes in Minutes!
We get it—insurance isn’t the most thrilling topic. But when life throws the unexpected your way, having the right protection means you can carry on without financial worry. Whether it’s covering your mortgage, safeguarding your income, or ensuring your family’s future is secure, our expert protection advisers are here to help—without the jargon or hard sell.
At Delta Mortgages, we make finding the right cover simple. We search the UK’s top insurers to get you tailored protection that fits your life (and your budget). No unnecessary extras. No paying over the odds. Just the right cover, at the right price.
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Quick Quotes – No faffing around—get a personalised quote in minutes
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FREE Rate Search – We compare policies from leading UK insurers so you don’t have to
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Tailored Advice – From mortgage protection to income cover, we match the right policy to you
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Peace of Mind – Protect your income, home & loved ones without the worry
96.9
of protection policies are paid out in FULL (when you need it, it's there)
53,105
life insurance claims paid in 2023 (that's real families supported when it matters the most)
Life happens. Make sure you’re covered. Let’s find the right protection for you—quickly, easily, and without the stress!
What Protection Do You Need?
Life is unpredictable—but your financial security doesn’t have to be. Whether it’s ensuring your mortgage is covered, protecting your income, or safeguarding your business, the right protection policy means you’re ready for whatever life throws your way.
Here are the key types of cover to consider:
No safety net? Cover your costs if savings aren’t enough
No employee benefits? Protect yourself beyond sick pay
Secure your family’s future if the unexpected happens
Secure your family’s future if the unexpected happens
Secure your family’s future if the unexpected happens
Covers lost income if you’re unable to work
SSP is just £118.75 a week—could you survive on that?
Essential protection for self-employed workers
Provides financial support for your family after death
Pays off your mortgage, so your home stays in safe hands
Covers funeral costs, removing financial pressure at a difficult time
Executive income protection—keep the business running
Cross-option agreements—protect shareholder interests
Key person insurance—financial security if a crucial team member is lost
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Three Simple Steps to Securing the Right Protection
Sorting out your life insurance and protection shouldn’t feel like an admin marathon or a decision you shove to the bottom of your to-do list (right next to ‘clear out the loft’). It should be quick, simple, and—most importantly—give you real peace of mind.
At Delta Mortgages, we help you find the right cover without the jargon or pressure, so you can get on with living your life, knowing you and your loved ones are financially secure.
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Get Covered, Hassle-Free
Once we’ve found the right protection for you, we’ll handle all the paperwork and get your policy set up—so you’re covered as quickly as possible. No lengthy forms, no faffing about—just the reassurance that you and your loved ones are financially protected, should the unexpected happen.
At Delta Mortgages, we believe getting insured should be as easy as ordering a takeaway (though sadly, we can’t throw in free prawn crackers). Whether you’re a homeowner, self-employed, or a business owner, we’ll find the right cover at the right price—so you can get on with life, safe in the knowledge that you’re protected.
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We Search the Market to Find the Right Cover
With access to leading UK insurers, we compare a wide range of policies—including ones you won’t find on comparison sites. Whether you want a policy that covers your mortgage, provides for your family, or protects your income if life throws a curveball, we’ll tailor a plan that works for you (without you having to scroll through endless insurance small print).
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Speak to a Protection Specialist
Start with a free, no-obligation chat with one of our lovely advisers. Whether you need life insurance, critical illness cover, or income protection, we’ll listen to what matters to you and help you find the best cover. No confusing industry terms, no waffle—just straight-talking advice tailored to your needs.
Protect What Matters Most – Access Market-Leading Protection Options
You wouldn’t buy a house without insuring it, so why leave yourself, your family, or your income unprotected? The right insurance cover ensures that whatever happens—illness, injury, or worse—you and your loved ones can stay financially secure.
At Delta Mortgages, we search thousands of UK-leading insurers to find the best protection policies, tailored to your needs. Whether it’s life insurance, critical illness cover, income protection, or business protection, we’ll help you find the right policy at the best possible rate—without the jargon or hard sell.
Why is Mortgage Protection So Important?
You wouldn’t drive without insurance, so why take chances with your home? It’s probably the biggest financial commitment you’ll ever make—one that sticks with you longer than that gym membership you forgot to cancel. Mortgage protection ensures that if life takes an unexpected detour, your family won’t be left worrying about repayments.
Here’s the reality: your lender will still expect their money, even if you’re too ill to work, injured, or worse. Your mortgage doesn’t pause just because life throws a spanner in the works. Without protection in place, your home could be at risk—at a time when financial stress is the last thing your loved ones need.
That’s where life insurance, income protection, and critical illness cover come in. The right policy means your mortgage payments can still be made, keeping a roof over your family’s heads no matter what. It’s a small cost for a huge peace of mind—like knowing your house keys are in your pocket before you shut the door (every time).
At Delta Mortgages, our protection specialists in Dorset and Hampshire will find you the right cover—no pushy sales talk, no fluff, just honest advice. Whether you need personal or business protection, we’ll tailor a plan that makes sense for you.
Because your home should be your safe haven—not a financial worry waiting to happen.
What About Mortgages Completed Without Protection?
So, you’ve already completed your mortgage without protection? Don’t panic—but don’t put it off any longer either.
We get it—insurance can feel like one of those ‘I’ll do it later’ tasks. But here’s the thing: later might be too late. If your circumstances change—whether that’s a health condition or a sudden accident—getting cover becomes harder and more expensive (or in some cases, impossible).
Many people only consider mortgage protection when something happens—but by then, it’s often too late to get affordable cover. If you didn’t take out protection when you secured your mortgage, now’s the time to review your options. No scare tactics, just smart planning.
Is There a Right Age to Look Into Mortgage Protection?
Yes. The younger you are, the cheaper it is. Simple.
Many people assume they don’t need protection until later in life, but the reality is premiums are significantly lower when you’re younger and healthier. In fact, for some younger applicants, the cost of cover can be so low it falls below the minimum premium insurers offer!
So, should you wait? Well, you could—but why pay more for the same cover in a few years’ time? Getting protection sorted early ensures you lock in better rates while giving yourself and your loved ones financial security now, not ‘someday’.
Protect Your Family from Illness and Loss of Income
Your mortgage is a long-term commitment—one that doesn’t take a break if you’re too ill to work or facing unexpected financial setbacks. If you’re the main breadwinner, have you considered what would happen if you suddenly couldn’t cover the mortgage payments? Without the right protection, a temporary crisis could turn into a long-term struggle.
But here’s the good news: you don’t have to leave things to chance. There are plenty of ways to safeguard your home and your family’s financial future. Whether it’s income protection, critical illness cover, or life insurance, having the right policy in place means your loved ones stay secure—no matter what life throws at you.
At Delta Mortgages, we don’t believe in confusing jargon or one-size-fits-all solutions. Our protection specialists in Dorset and Hampshire will guide you through your options with complete transparency—so you can make an informed decision, not just tick a box.
So, what types of insurance do we help with?
Keep reading to find out how the right protection policy can keep your home and finances secure.
No one ever expects to be diagnosed with a serious illness, but if the unthinkable happens, how would you cover your mortgage payments and household bills?
A critical illness policy provides a tax-free lump sum if you're diagnosed with a serious condition covered by your policy. This financial cushion helps you focus on recovery rather than worrying about affording your home and lifestyle.
Why consider Critical Illness Cover?
Your savings might not stretch far enough – Would they cover months or even years off work?
No employer benefits – Many companies offer limited sick pay, leaving you reliant on statutory benefits.
Protect your mortgage and family – Ensuring you don’t lose your home while recovering.
Many people combine critical illness cover with life insurance, giving them protection for both scenarios in one policy. You decide how long you want the cover to last, and we help tailor the policy to your needs.
Who should consider it?
If you have a family, dependants, or financial commitments, or if your savings wouldn’t cover an extended period of illness, critical illness cover could be a crucial safety net.
Let’s make sure you have the right protection in place. Speak to our friendly protection specialists today to explore your options.
Life is unpredictable, but your family's financial security doesn’t have to be.
Life insurance is designed to provide a safety net for your loved ones if the worst happens. If you pass away during the policy term, your family receives a tax-free lump sum—helping them cover mortgage payments, daily living costs, and future financial commitments.
Why consider Life Insurance?
Ensures your family can stay in their home – Mortgage repayments don’t stop, even if you’re not around.
Provides financial stability – From covering funeral costs to ongoing childcare expenses.
Gives your loved ones breathing space – So they’re not worrying about money at an already difficult time.
Term vs. Whole Life Insurance
Most people opt for term life insurance, which covers a set period (e.g., 25 years) – ideal for ensuring your mortgage and dependants are protected while they need it most. Whole life insurance covers you indefinitely but tends to be more expensive.
If you have a family, a mortgage, or financial dependants, life insurance is one of the most important financial decisions you can make. It doesn’t cost as much as you might think, and getting cover in place while you're younger and healthier keeps premiums lower.
Let’s find the right protection for you.
Your bills don’t stop if you’re off work—so why should your income? Income Protection Insurance replaces part of your salary if you’re unable to work due to illness or injury, ensuring you can still cover your mortgage, household bills, and everyday expenses while you recover.
Why Consider Income Protection?
Statutory Sick Pay (SSP) is just £118.75 per week —not enough to cover most mortgage payments, let alone food and bills.
Self-employed? You won’t get SSP at all, meaning no work = no income.
Peace of mind—knowing you’ll have a regular income, even if you’re signed off long-term.
How Does It Work?
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You’ll receive up to 65% of your usual wage, tax-free, until you’re well enough to work again.
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You choose your deferred period—this is how long you wait before payments start (shorter waiting periods mean higher premiums).
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It pays out until you return to work or for a fixed period, depending on your policy.
Many people assume their savings will cover them, but how long would your finances really last if you were off work for months—or even years? Income Protection takes the uncertainty out of the equation, keeping you financially secure no matter what life throws at you.
Let’s make sure your income is protected.
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A tax-efficient way to protect your employees and business owners.
A Relevant Life Plan is a type of life insurance policy designed for business owners, company directors, and employees, offering financial protection to their families in the event of death. Unlike traditional life insurance, this policy is paid for by the business, making it a cost-effective and tax-efficient benefit.
Why Consider a Relevant Life Plan?
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Tax-efficient – Premiums are usually classed as a business expense, reducing corporation tax.
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No impact on personal tax allowances – Unlike standard life cover, there are no Benefit-in-Kind tax implications.
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Ideal for company directors – Protects their families without affecting personal income.
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Attract and retain top talent – A great employee benefit that shows you care.
If you’re a business owner or director, ensuring your loved ones are protected doesn’t have to come out of your post-tax income. A Relevant Life Plan allows you to secure life cover while making the most of tax advantages—a win-win for you and your family.
Want to protect yourself and your employees? Speak to our business protection specialists today.
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Your business is more than just a job—it’s your livelihood, your investment, and for many, your legacy. But what happens if a key team member, a shareholder, or even you are no longer able to run it? Could your company continue without financial strain?
At Delta Mortgages, we help business owners across Dorset and Hampshire protect their companies from unexpected financial challenges. Whether it’s securing a payout to replace lost revenue, buy out shares, or repay business loans, we’ll help you put the right protection in place—so you can future-proof your business and protect what you’ve worked so hard to build.
Key Person Insurance
Every company has indispensable people—those whose expertise, leadership, or client relationships drive the business forward. If they were to become critically ill or pass away, the financial impact could be immediate and severe.
Key Person Insurance provides a financial buffer, helping your business survive without them by:
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Covering lost revenue caused by their absence—whether that’s lost sales, contracts, or operational slowdowns.
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Funding recruitment and training for a suitable replacement.
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Providing stability for investors, clients, and suppliers, ensuring confidence in your business’s future.
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Keeping the company afloat during a period of adjustment.
Without protection, businesses often struggle to recover, facing cash flow issues, loss of major clients, and in some cases, closure. This policy ensures that you have the financial means to keep moving forward, even when the unexpected happens.
Who needs Business Protection Insurance?
Business owners, key salespeople, technical specialists, directors, or anyone whose absence would significantly impact revenue.
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If a shareholder in your business suddenly passed away or became critically ill, what would happen to their shares?
Without Shareholder Protection, their shares could be inherited by family members who may not want to be involved in the business. In some cases, their shares might be sold to external investors, competitors, or third parties, potentially altering the company’s structure and direction.
Shareholder Protection ensures that the remaining business partners retain control by:
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Providing a lump sum payout to buy back the affected shareholder’s shares.
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Preventing external parties from gaining ownership or control.
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Ensuring a structured, fair financial arrangement for the affected shareholder’s family or beneficiaries.
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Giving financial stability to the business, preventing disruption from unexpected changes in ownership.
Without this cover, businesses can be left scrambling for funds to buy back shares or forced into agreements that aren’t in the best interests of the company.
Who needs Shareholder Protection?
Business owners, partners, directors, and shareholders in privately held companies.
Business Loan Protection
Many businesses take out loans, overdrafts, or credit facilities to fund operations, expansion, or investment. These loans are often personally backed by directors or shareholders—which means that if something happens to them, the debt still needs to be repaid.
Without Business Loan Protection, the company or surviving business owners could be left shouldering unexpected financial burdens. This policy provides:
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A lump sum payout to clear outstanding business loans, ensuring that directors, shareholders, or family members aren’t left liable.
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Protection for personal assets, so directors don’t risk their homes or savings.
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Financial stability, preventing lenders from calling in debts or restricting cash flow.
If your business has outstanding loans, consider how they’d be repaid if a director or key shareholder wasn’t there to manage them.
Who needs Business Loan Protection?
Any business with outstanding commercial loans, directors’ loan accounts, or shareholder-backed debt.
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Many businesses don’t realise how financially vulnerable they are until something unexpected happens. A strong protection plan can mean the difference between continuing business as usual and facing financial strain.
At Delta Mortgages, we work with businesses across Dorset and Hampshire to ensure that directors, shareholders, and employees are financially safeguarded. Our independent mortgage and protection specialists will guide you through the best insurance solutions for your business, ensuring tax efficiency and full financial security.
If you're unsure which policies best suit your business, let's have a conversation. We'll help you understand your options and put the right protection in place before you need it.
Frequently Asked Questions About Life Insurance, Income Protection & Business Protection
We’ve covered a lot, but when it comes to protecting yourself, your family, or your business, it’s normal to have a few extra questions.
From understanding how life insurance works to choosing the right business protection policy, we’ve gathered the most common questions we hear from clients—whether they’re homeowners, business owners, or just looking to safeguard their financial future.
Still unsure about something? No problem—we’re just a call or a click away!
Absolutely. Just because you’ve already got your mortgage in place doesn’t mean you’ve missed the boat on protection. Life doesn’t come with a warning label, and ensuring your mortgage is covered—whether through life insurance, income protection, or critical illness cover—is one of the smartest financial decisions you can make.
Many homeowners only realise the importance of mortgage protection after securing their mortgage, and that’s completely normal. Lenders don’t typically require it, but that doesn’t mean you shouldn’t have it. If you were suddenly unable to work due to illness or injury, or if the unthinkable happened, your family could be left struggling to keep up with repayments.
At Delta Mortgages, our mortgage specialists in Dorset and Hampshire can help you review your circumstances and recommend affordable, tailored cover that protects your home and your loved ones—without you paying for unnecessary extras.It depends on what your existing life insurance covers. Life insurance is typically designed to provide a lump sum payout to your beneficiaries when you pass away, but it may not always be enough to cover your full mortgage balance or other ongoing financial commitments.
Mortgage protection, on the other hand, is designed specifically to clear your outstanding mortgage debt, ensuring your home remains with your loved ones rather than being at risk of repossession. If your current life insurance policy already covers your full mortgage amount, you might not need additional protection. However, if it only provides a partial payout—or if you want additional cover for illness, income loss, or redundancy—it’s worth considering other policies, such as:
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Critical Illness Cover – Pays a lump sum if you’re diagnosed with a serious illness like cancer, heart attack, or stroke.
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Income Protection – Provides a regular income if you’re unable to work due to illness or injury, ensuring you can still cover your mortgage payments.
If you're unsure whether your current cover is enough, we can review your policies and help you find the best mortgage protection plan to suit your needs.
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The general rule is simple: your life insurance should at least match your outstanding mortgage balance to ensure your loved ones can pay off the debt in full if anything happens to you.
The amount of cover you need depends on:-
The size of your mortgage – If you have a £250,000 mortgage, your life cover should be at least £250,000 to clear the debt.
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The type of policy – A decreasing term policy (also called mortgage life insurance) reduces over time in line with your mortgage balance, whereas a level term policy remains fixed, providing additional financial security for your family.
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Your other financial commitments – If your mortgage isn’t your only liability, you may want extra cover for household bills, living expenses, or childcare costs.
Getting the right amount of life insurance isn’t just about ticking a box—it’s about making sure your family is financially secure no matter what happens. Our specialist insurance advisers can help you calculate the right level of cover, ensuring your home and loved ones are protected without overpaying for unnecessary extras.-
Not all mortgage protection policies automatically cover redundancy, but there are options available. Standard life insurance and critical illness cover protect you against death or serious illness, but they don’t help if you lose your job.
If redundancy cover is a concern, you may want to look at:
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Mortgage Payment Protection Insurance (MPPI) – Covers your mortgage payments if you lose your job due to redundancy, accident, or sickness. It typically pays out for 12-24 months, giving you time to get back on your feet.
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Income Protection Insurance – While mainly designed to cover illness and injury, some policies offer additional redundancy cover, providing a monthly income to help with mortgage and living costs.
Redundancy protection can provide peace of mind, but it’s important to check exclusions and waiting periods. For example, if you knew redundancy was on the horizon before taking out cover, insurers may not pay out.
If you’re unsure what cover you need, our mortgage and protection specialists in Dorset and Hampshire can help find the best solution based on your circumstances.-
Losing your job is stressful enough without worrying about how to keep up with your mortgage repayments. If you find yourself in this situation, here’s what to do:
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Speak to your lender ASAP – Most lenders won’t repossess immediately and may offer options like a payment holiday or a temporary switch to interest-only payments.
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Check your insurance – If you have income protection or mortgage payment protection, now’s the time to make a claim.
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Apply for government support – You may be eligible for Support for Mortgage Interest (SMI) if you’re receiving certain benefits.
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Consider a Product Switch – If your situation is long-term, a product switch might help lower your repayments.
Prevention is better than cure. If job security is a concern, taking out income protection before redundancy happens can ensure your mortgage and household bills are covered, reducing financial stress during uncertain times.-
Life insurance and critical illness cover work hand in hand, offering a more complete safety net for you and your family. Instead of only paying out if you pass away, combining the two means you’re also protected if a serious illness stops you from working.
Key benefits of having both policies in one plan include:
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Comprehensive protection – Covers both death and serious illness, so your family isn’t left struggling financially if you can’t work.
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Lump sum payout – If diagnosed with a covered illness, you’ll receive a tax-free lump sum to cover mortgage payments, treatment costs, or living expenses.
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Cost savings – Bundling life and critical illness cover can be cheaper than taking out two separate policies.
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Easier application process – One medical assessment instead of two, making the process smoother.
Not all illnesses are covered, and some policies only pay out once (meaning if you claim for a critical illness, the life insurance part may end). Our protection specialists in Dorset & Hampshire can help tailor the right plan to ensure you’re covered properly—without paying for things you don’t need.-
Both income protection and critical illness cover provide financial support if your health takes a hit, but they work in very different ways.
Income Protection Insurance replaces a portion of your income (up to 65%) if you’re unable to work due to illness or injury. It pays out monthly, like a salary, until you’re fit to return to work (or until the policy term ends).
Critical Illness Cover pays out a one-off lump sum if you’re diagnosed with a serious illness listed in the policy—such as cancer, a heart attack, or a stroke.
But, which one do you need?
If you rely on your salary to pay the bills, income protection ensures you still get paid, even if you can’t work for months or years.
If you’d struggle with medical costs, mortgage payments, or lifestyle changes after a serious diagnosis, critical illness cover provides an instant financial cushion.
Many people choose both—ensuring they’re covered for both short-term sickness and life-altering conditions.
If you’re not sure which one is right for you, we’ve got some lovely protection specialists in Dorset and Hampshire can help find the best policy for your needs.When you work for yourself, there’s no sick pay, no employer safety net, and if you don’t work, you don’t earn. That’s where income protection comes in—it acts as a financial backup plan, ensuring you still get paid even if you’re unable to work.
In a nutshell, here’s how it works:
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If you fall ill or get injured and can’t work, income protection replaces a percentage of your income (typically up to 65% of your pre-tax earnings).
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It pays out monthly until you recover or reach the end of your policy term.
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You choose a deferred period (how long you wait before payments start). A longer wait (e.g. 6 months) means cheaper premiums, while a shorter wait pays out sooner but costs more.
Some providers will underwrite your income at the application stage, locking in the benefit amount. That means even if your self-employed income dips in future years, you’ll still be protected at the original (higher) level—giving you extra peace of mind.
So, why is this important for self-employed workers?
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No sick pay safety net – The government’s Statutory Sick Pay (SSP) is £118.75 per week—not exactly enough to cover rent, a mortgage, and bills!
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Protects your lifestyle – Keeps up with mortgage payments, rent, bills, and living costs while you recover.
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Covers long-term absences – Unlike short-term savings, income protection can pay out for years, ensuring financial stability.
If you’re self-employed and don’t have financial backup, income protection is a must. Speak to our team in Dorset & Hampshire to find a policy tailored to your business and lifestyle.-
Yes! Having a pre-existing medical condition doesn’t mean you can’t get life insurance—it just means insurers may ask more questions, and premiums might be slightly higher.
Insurers look at any long-term conditions like:
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Diabetes
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Heart conditions
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High blood pressure
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Asthma
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Mental health conditions
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Cancer (past or present)
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The insurer will ask about your medical history, lifestyle, and medication.
Some conditions may require a GP report or medical exam.
If your condition is well-managed, many insurers will still offer cover at standard rates.
If your condition is more severe or recent, insurers may increase your premium or apply exclusions (meaning some claims related to the condition wouldn’t be covered).Some insurers are more flexible than others when it comes to pre-existing conditions. Our protection specialists work with UK-wide providers to find the best life insurance policy—even if you have a medical history. Let’s chat and find you the right cover.
The length of your life insurance policy depends on what you’re looking to protect. Life insurance is designed to pay out when you need it most, so choosing the right term ensures your loved ones aren’t left financially vulnerable.
Here’s what to consider when deciding how long your cover should last:
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Covering your mortgage? Match the policy length to your mortgage term—e.g. a 25-year policy for a 25-year mortgage ensures your home is paid off if something happens to you.
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Protecting your family? If you have young children, consider a policy that runs until they’re financially independent (e.g. until they’re in their 20s) or you can even add them to the policy with some providers.
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Income replacement for your spouse? A policy that covers your working years ensures your partner doesn’t struggle financially if your income is lost.
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Whole of Life Cover? Unlike term life insurance (which only pays out if you pass away during the policy term), whole of life insurance guarantees a payout whenever you pass away—great for covering inheritance tax or funeral costs.
If you’re unsure, our insurance advisers in Dorset & Hampshire can help work out the right term for your circumstances.-
If you cancel your life insurance, critical illness cover, or income protection early, your policy ends immediately, and you won’t receive a refund for past payments. More importantly, you’ll lose all cover, meaning:
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Your family won’t receive a payout if something happens to you.
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You’ll need to reapply if you want insurance again, and premiums could be higher (especially if you’ve had health changes).
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Pre-existing conditions could affect new applications—if your health has changed since taking out your policy, new insurers may increase your premium or refuse cover altogether.
But, are there alternatives to cancelling?
There are. If affordability is an issue, some insurers allow you to:
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Reduce your cover (lowering premiums while keeping some protection in place).
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Take a payment break if you’re facing temporary financial hardship.
Before cancelling, it’s worth chatting to an adviser to see if there are better options to keep you protected.
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Yes—many types of business protection insurance are tax-deductible as an allowable business expense, meaning you can claim the cost against your company’s taxable profits.
Here’s what business owners need to know:
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Relevant Life Insurance – Can be claimed as a business expense with no extra tax liability, making it a tax-efficient way to provide cover for directors and employees.
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Key Person Insurance – Protects against the financial impact of losing a crucial employee. It’s usually tax-deductible, but HMRC will assess whether it qualifies based on how it benefits the business.
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Shareholder Protection – Helps remaining shareholders buy out a deceased partner’s shares. This is usually not tax-deductible, as it benefits individuals rather than the business.
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Executive Income Protection – Can be treated as a business expense, provided it’s structured correctly.
Every case is different, so it’s worth speaking with a specialist (or an accountant) to ensure your business is getting the best protection with maximum tax efficiency.-
Both Relevant Life Insurance and Key Person Insurance provide protection for businesses, but they serve very different purposes.
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Relevant Life Insurance is a tax-efficient life insurance policy set up by a business to provide death-in-service benefits to employees (including directors). If the insured person passes away during the policy term, their family receives a tax-free lump sum. Since it’s a business expense, it can be claimed against corporation tax—a huge plus for company directors looking for personal cover through their business.
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Key Person Insurance protects the business itself. If a key employee (like a director, top salesperson, or technical specialist) passes away or becomes critically ill, the business receives a payout to cover lost revenue, recruitment costs, or business continuity expenses.
In short, Relevant Life is for the employee’s family, while Key Person Insurance is for the business’s financial stability. If you’re unsure which is right for you, our business protection specialists in Dorset & Hampshire can help.-
If you own a business with one or more partners, having the right business protection insurance in place is essential. It ensures that if something happens to one of you, the business can continue operating smoothly without financial disruption.
Here are the key policies to consider:
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Shareholder Protection – This policy pays out a lump sum if a business partner passes away or is diagnosed with a critical illness, allowing the remaining partners to buy their shares rather than them being passed to the deceased’s family. This prevents unwanted third parties from gaining control of the business.
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Key Person Insurance – Protects the company from financial loss if a key individual (e.g. a managing director or top salesperson) is unable to work due to death or illness.
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Executive Income Protection – Ensures that directors or key employees continue to receive a salary if they’re unable to work due to illness or injury, keeping both the business and the individual financially secure.
The best choice depends on your business structure, ownership agreements, and financial risks. Our business protection advisers can help you tailor the right policy to safeguard your company and its future.
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How Delta Mortgages Can Help You Find the Right Protection
You insure your car, your phone, even your pets—so why leave the things that matter most unprotected? Whether it’s safeguarding your home, income, family, or business, finding the right insurance can feel like a puzzle with too many pieces. That’s where we come in.
At Delta Mortgages, we specialise in helping you find life insurance, income protection, critical illness cover, and business protection, helping homeowners, self-employed professionals, and business owners across Dorset and Hampshire secure cover that fits their needs—without overpaying or getting lost in small print.
Here’s how we make it simple:
Experienced, whole-market advice
We compare leading UK insurers to find the best protection tailored to your needs, whether you’re covering a mortgage, income, or business.
No unnecessary cover—just the right fit
We don’t do “one-size-fits-all” policies. Our specialist advisers take the time to understand your situation, so you’re covered where it counts.
Guidance on what works for you
Not sure whether you need life insurance, income protection, or both? We’ll walk you through the pros and cons—minus the jargon.
Flexible policies for business owners
If you need key person insurance or a relevant life policy, well, we help company directors set up tax-efficient cover that protects their business and employees.
Support beyond the policy
We’re not just here for the quote. Whether you need to update your cover, make a claim, or adjust your policy, we’re with you every step of the way.
The right protection means peace of mind—knowing that whatever happens, your mortgage is covered, your family is supported, and your business is secure. And with Delta Mortgages, sorting your insurance is refreshingly straightforward and stress-free.
Meet the Team That’s Got Your Back
At Delta Mortgages, we combine decades of experience with down-to-earth support that actually helps. No scripts. No waffle. Just lovely mortgage brokers who bring clarity, calm—and a bit of personality—to every step of your journey.
Get to know the people who’ll guide you from start to keys.
Your property could be at risk if you do not keep up repayments on a mortgage, or any debt secured on it.