Protection
what we offer
Protect your future and those you love with confidence.
We’ll help you choose the right cover based on your needs, giving you and your loved ones confidence and peace of mind.
Life Insurance
Protect the people who matter most with life insurance tailored to your needs. We help you understand your options clearly so you can make informed decisions with confidence.
Income Protection
Income protection can provide financial support if illness or injury prevents you from working. We compare suitable options and explain everything clearly to help you find cover that fits your lifestyle and budget.
Critical Illness Cover
Critical illness cover can provide financial support if you're diagnosed with a specified serious illness. We help you compare options clearly so you can choose cover that suits your needs and budget.
Over 50s Life Insurance
Over 50s life insurance is designed to help provide financial support for loved ones or cover later-life expenses. We explain your options clearly to help you find suitable cover with confidence.
Whole of Life Insurance
Whole of life insurance provides lifelong cover designed to help protect your loved ones and support future financial planning. We explain your options clearly so you can choose cover that suits your needs and goals.
Buildings & Contents Insurance
Protect your home and belongings with buildings and contents insurance tailored to your property and lifestyle. We help you compare options and understand your cover with confidence.
Independent Expertise You Can Trust
As independent, whole-of-market advisers, we’re not tied to any single lender or insurer.
We work with an unlimited number of providers, allowing us to compare products, criteria, and pricing across the market. This means our advice is focused entirely on your needs - recommending the mortgage or protection solution that best suits your circumstances.
12,000+
Mortgage products
100%
Tailored service
100+
Mortgage lenders
20+
Available insurers
why choose us?
4 key things to bear in mind when preparing for your quote
Understanding these factors helps ensure you receive an accurate, fair quote that reflects your circumstances and gives you the right level of protection.
Keeping these in mind can help you secure cover that supports your loved ones
without paying more than you need to.
1
Your Health
Your health is one of the main factors insurers assess. Your medical history, any ongoing conditions, and general wellbeing all influence your premiums. Being clear and honest helps ensure you get the most accurate quote.
2
Your Age
Age plays a major role in the cost of life insurance. The younger you are when you take out a policy, the lower your premiums are likely to be. Securing cover early can help you
lock in a better rate.
3
Your Occupation
Some jobs involve more risk than others, and insurers take this into account when calculating your premium. Be prepared to share details about your day-to-day role
and working environment.
4
Your Lifestyle
Habits such as smoking, drinking, or high-risk hobbies can affect your quote. Insurers look at lifestyle choices to understand your overall risk level. Making healthy choices can lead to more favourable premiums.
Client Satisfaction
Tailored Solutions
Trusted Customer Support
Your Protection Journey Starts Here
Personalised solutions designed around your goals
Clear, expert guidance from start to finish
Access to competitive rates across a wide range of lenders
Frequently Asked Questions
01. What types of insurance do you offer?
We offer a range of protection solutions including life insurance, income protection, critical illness cover, over-50s life insurance, whole of life cover, and buildings and contents insurance.
02. How do I know which cover is right for me?
Our advisors take the time to understand your personal circumstances, budget, and future goals, then help you choose the most suitable cover for your needs.
03. Do I need a medical examination to apply?
This depends on the type of policy and provider. Some policies may require medical information, while others, such as certain over-50s plans, may not require a medical exam.
04. How much does insurance cover cost?
The cost varies based on factors such as your age, health, lifestyle, level of cover, and policy type. We aim to find options that fit both your needs and budget.
05. When will a policy pay out?
Payouts depend on the policy terms. Life insurance pays out on death, critical illness cover pays on diagnosis of a covered condition, and income protection pays a regular income if you are unable to work due to illness or injury.
06. How do I get started?
Simply click Get Started and complete the form. One of our advisors will contact you to discuss your options and guide you through the next steps.
Contact
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Thank you for choosing us. Whether you need help with mortgages or protection, we’re always here to assist you.
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Legal
Legal
Bell Mortgage Solutions is registered in England and Wales (Company No. 14629745) and is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd, which is authorised and regulated by the Financial Conduct Authority.
Most Buy-to-Let mortgages are not regulated by the FCA. This website is intended for UK consumers and operates under the UK regulatory regime.
Your home may be repossessed if you do not keep up repayments on your mortgage.
A mortgage advice and arrangement fee may apply depending on the complexity of your case. This will be agreed in advance. A typical fee is £299 and will not exceed 1% of the mortgage amount.