Crown & Coast Financial Advice

Advice area

Protection & Family Cover Advice

Compare life, critical illness, and income protection cover against mortgage and family commitments.

Request a protection review How appointments work
Coastal family home overlooking the sea

Who it is for

Mortgage holders, parents, and sole traders who need income continuity if illness or death interrupts earnings.

The outcome

A protection recommendation matching cover levels, term, and budget — with insurer options explained in plain English.

Scope of work

Needs analysis, existing cover audit, quote comparison across suitable UK insurers, and application support.

Included

  • Protection needs calculation
  • Existing policy review
  • Recommendation and application assistance

Not included

  • Medical underwriting decisions (insurer controlled)
  • Claims handling for third-party policies we did not arrange
  • ProviderCrown & Coast protection specialists
  • ProcessNeeds meeting, quote comparison, recommendation, application support.
  • TimelineOne to three weeks for advice; underwriting timing varies by insurer.
  • MeetingsRiceborough office or remote UK meetings.
  • PreparationMortgage details, salary or accounts, and existing policy schedules.
  • ConstraintsCover depends on medical underwriting; premiums and acceptance are not guaranteed until the insurer decides.
  • FeesAdvice fee from £450, or commission disclosure where product-related remuneration applies.
  • Next stepRequest a family protection review.
Request a protection review View fee guidance