Mortgage & Protection Services In Sutton Coldfield

Arranging the right mortgage is only part of the journey. The next step is making sure that, whatever life brings, you and your family are financially secure. That’s where protection comes in.

At Apex Private Finance, I believe protection isn’t about selling policies — it’s about safeguarding your future. It’s about ensuring that if the unexpected happens, your home, your income, and your loved ones are protected.

The Reality Behind the Numbers

“Most people underestimate the risks and overestimate the cost of protection.”

Only around 35% of UK adults have life insurance in place.
Less than 7% of adults have either critical illness cover or income protection.
In 2023, protection insurers paid out over £4.85 billion in individual claims.
Critical illness claims alone paid out more than £1.2 billion.
The Association of British Insurers reported that in 2024, £8 billion was paid out in life, critical illness, and income protection claims — with an average payout above £10,000.
One survey found that 59% of people would run out of savings within 12 months if they lost their income due to illness or injury.

These figures highlight a harsh truth: millions are left exposed because they don’t have cover in place.

Protection Options We Offer

Every client’s situation is different, so our protection advice is built around your needs, not a one-size-fits-all policy.

Life Insurance

Financial security for your family in the event of your death.

Critical Illness Cover

A lump sum if diagnosed with a specified serious illness (such as cancer, heart attack, or stroke).

Income Protection

Regular income replacement if you’re unable to work due to illness or injury.

Relevant Life Insurance

Tax-efficient life cover for company directors and business owners.

Private Medical Insurance

Quicker access to healthcare when you need it most.

Book a Confidential Call

Speak directly with an expert who understands complex and high-value lending.

Book A Call

Why Protection Is So Important

Your income is your most valuable asset — without it, everything else is at risk.
Life doesn’t always go to plan — illness, injury, or worse can strike when least expected.
Protection underpins your finances — it keeps everything else on track, no matter what happens.
It can even be a mortgage condition — some lenders require protection before approving borrowing.

Many people believe protection is expensive, but in reality, cover can often cost less than you expect — and the benefits far outweigh the cost.

What Protection Can Do for You

Financial protection for your family — helping to secure their future even if you have limited savings.
A cash sum for living expenses — covering mortgage, rent, childcare, and bills.
Reducing stress for loved ones — easing the burden at an already difficult time.
Continuity for your family — helping them remain in their home and maintain stability.
Mitigating the impact of limited savings — bridging the gap when income is lost.

What Our Clients Say

My Approach to Protection

I don’t treat protection as an add-on — it’s a core part of securing your financial future.
I explain all options clearly, without jargon or pressure.
I design a plan that is affordable, flexible, and tailored to your life and goals.
I review it over time, ensuring your cover grows as your circumstances change.

Why Act Now?

Most people think: “It won’t happen to me.” But statistics show otherwise. Whether it’s time off work, a critical illness, or worse — these events happen every day, and too often people face them without any safety net.

Think of protection as the foundation of your finances: your mortgage builds your future, protection makes sure it isn’t taken away.

Ready to Explore Your Options?

Specialist finance requires a bespoke approach. Whether you are a healthcare professional, self-employed business owner, or high-net-worth investor, we’ll work with you to build the right solution.

Call us Directly

0744 603 3022

Send us an email

ku.oc.ecnanifetavirpxepa@napib

Main location

181 Hill Village Road,Sutton Coldfield,Birmingham,B75 5JQ

Frequently Asked Questions

Choosing the right protection can feel overwhelming! Especially with so many policy options available. To make things clearer, we’ve answered some of the most common questions clients ask about mortgage and income protection in Sutton Coldfield.

Why do I need mortgage protection?

Mortgage protection protects your family can keep your home if illness, injury or death affects your ability to pay the mortgage. It provides financial security when you need it most.

What’s the difference between life insurance and mortgage protection?

Life insurance pays a lump sum on death, while mortgage protection specifically covers the outstanding balance of your mortgage. We can combine both for full coverage.

Is mortgage protection compulsory?

No, but most lenders strongly recommend it. It’s an essential safeguard for anyone with dependents or financial commitments linked to their property.

Can self-employed people get income protection?

Yes. We specialise in helping self-employed clients, limited company directors and professionals with variable income find the right policy for consistent protection.

How much cover do I need?

We’ll help you calculate the right level of cover based on your mortgage balance, income, household expenses and family situation to ensure full protection without overpaying.

What illnesses are covered under critical illness protection?

Most policies cover many conditions such as cancer, heart attack, stroke, and major organ failure. We’ll review insurer terms to match your medical and financial needs.

Can I adjust my policy in the future?

Yes. Many protection plans can be reviewed and updated if your mortgage, income or family situation changes — ensuring your cover remains relevant.

Are payouts tax-free?

In most cases, life insurance and critical illness payouts are tax-free, though we’ll confirm specifics for your chosen policy and circumstances. This may mean putting the specfic policies in Trust.