{"id":47,"date":"2025-11-03T11:23:42","date_gmt":"2025-11-03T11:23:42","guid":{"rendered":"https:\/\/simplymortgagesonline.com\/?page_id=47"},"modified":"2025-12-12T13:57:53","modified_gmt":"2025-12-12T13:57:53","slug":"protection-advice","status":"publish","type":"page","link":"https:\/\/simplymortgagesonline.com\/index.php\/protection-advice\/","title":{"rendered":"Protection Advice"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; css=&#8221;.vc_custom_1762173062126{padding-top: 300px !important;background-image: url(https:\/\/simplymortgagesonline.com\/wp-content\/uploads\/2025\/11\/family-with-their-little-daughter-autumn-field.jpg?id=73) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; wpex_bg_position=&#8221;top left&#8221;][vc_column][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; css=&#8221;.vc_custom_1762173107754{padding-top: 10px !important;background-image: url(https:\/\/simplymortgagesonline.com\/wp-content\/uploads\/2025\/11\/gradient.jpg?id=35) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][\/vc_column][\/vc_row][vc_row column_spacing=&#8221;40&#8243; css=&#8221;.vc_custom_1762168915372{padding-top: 50px !important;padding-bottom: 50px !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;&#8221;]\n<h1>Protecting your needs<\/h1>\n<p>Andrew&#8217;s extensive time of working within the protection industry both in the family and commercial markets means he has a superb knowledge of these areas.<\/p>\n<p>The protection services sector is a complex arena for the unwary and Andrew specialises in making it easy to understand. In doing so, his aims are to:<\/p>\n<ul>\n<li>Allow you to protect your family, property and business with regard to all your financial commitments and aspirations. Andrew does this through provision of new policies and by reviewing existing ones.<\/li>\n<li>Help you save money or ensure better cover for your family even down to your buildings and contents insurance.<\/li>\n<\/ul>\n<p><strong>How does Andrew do this?<\/strong><\/p>\n<p>He will not recommend any financial product until he has gained a thorough understanding of your situation and what you already have in place, if anything.<\/p>\n<p>To ensure this, Andrew will conduct a detailed survey of your financial health through a General Mortgage and Protection Questionnaire. This not only assesses your current situation but also analyses your future requirements, through open and honest discussion.<\/p>\n<p>Once this has been undertaken, Andrew can then recommend the right products to meet your needs and ambitions. He will explain to you the pros and cons of every option and you can rely on his advice and guidance.<\/p>\n<p>Andrew\u2019s recommendations are based on an insight and knowledge of the financial world and his one and only aim is protecting your interests and providing you with the right guidance and information that enables you to make the right choice.<\/p>\n<p>With his extensive understanding of the whole market, Andrew of Simply Mortgages can help you with any protection issue. This could be in relation to:<\/p>\n<ul>\n<li>Purchasing your home or commercial premises<\/li>\n<li>Remortgaging<\/li>\n<\/ul>\n<p>Associated protection plans such as life and critical illness cover, income protection, life insurance and buildings and contents, whatever you may require.<\/p>\n<p>Each case is different and we offer bespoke services to reflect that.<br \/>\nEvery twelve months Simply Mortgages will review your financial health or as often as required, ensuring that you continue to have access to the best policies, rates and providers.<\/p>\n<p>There is a bewildering array of financial products out there. There is no need however to take on the hassle of finding the right solution to your needs.<\/p>\n<p>When you hire Andrew you bring many years of expertise and knowledge in an ever changing market.<\/p>\n<p>But you also buy into that little something extra: a strong sense of integrity and a moral compass guided by your interests.<\/p>\n<p>The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse!<\/p>\n<p>The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1762167921543{margin-top: 20px !important;border-radius: 25px !important;}&#8221; wpex_bg_color=&#8221;#00aeef&#8221;]<style>.vcex-bullets.vcex_69f5fbcaba21e .vcex-bullets-icon{color:#c7e6ef;}.vcex-bullets.vcex_69f5fbcaba21e{color:#fffefe;font-weight:600;line-height:var(--wpex-leading-loose);}<\/style><div class=\"vcex-module vcex-bullets vcex-bullets--vertical custom-icon vc_custom_1765453500058 vcex_69f5fbcaba21e\">\n<ul role=\"list\">\n<li><div class=\"vcex-bullets-ci-wrap wpex-inline-flex\"><span class=\"vcex-bullets-icon-wrap vcex-icon-wrap wpex-mr-10\"><span class=\"vcex-bullets-icon vcex-icon wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg><\/span><\/span><div class=\"vcex-content wpex-flex-grow\">Mortgages<\/div><\/div><\/li>\n<li><div class=\"vcex-bullets-ci-wrap wpex-inline-flex\"><span class=\"vcex-bullets-icon-wrap vcex-icon-wrap wpex-mr-10\"><span class=\"vcex-bullets-icon vcex-icon wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg><\/span><\/span><div class=\"vcex-content wpex-flex-grow\">Buy-to-let<\/div><\/div><\/li>\n<li><div class=\"vcex-bullets-ci-wrap wpex-inline-flex\"><span class=\"vcex-bullets-icon-wrap vcex-icon-wrap wpex-mr-10\"><span class=\"vcex-bullets-icon vcex-icon wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg><\/span><\/span><div class=\"vcex-content wpex-flex-grow\">Let-to-buy<\/div><\/div><\/li>\n<li><div class=\"vcex-bullets-ci-wrap wpex-inline-flex\"><span class=\"vcex-bullets-icon-wrap vcex-icon-wrap wpex-mr-10\"><span class=\"vcex-bullets-icon vcex-icon wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg><\/span><\/span><div class=\"vcex-content wpex-flex-grow\">Capital Raising<\/div><\/div><\/li>\n<li><div class=\"vcex-bullets-ci-wrap wpex-inline-flex\"><span class=\"vcex-bullets-icon-wrap vcex-icon-wrap wpex-mr-10\"><span class=\"vcex-bullets-icon vcex-icon wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg><\/span><\/span><div class=\"vcex-content wpex-flex-grow\">Business Loans<\/div><\/div><\/li>\n<li><div class=\"vcex-bullets-ci-wrap wpex-inline-flex\"><span class=\"vcex-bullets-icon-wrap vcex-icon-wrap wpex-mr-10\"><span class=\"vcex-bullets-icon vcex-icon wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg><\/span><\/span><div class=\"vcex-content wpex-flex-grow\">Personal Loans<\/div><\/div><\/li>\n<li><div class=\"vcex-bullets-ci-wrap wpex-inline-flex\"><span class=\"vcex-bullets-icon-wrap vcex-icon-wrap wpex-mr-10\"><span class=\"vcex-bullets-icon vcex-icon wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg><\/span><\/span><div class=\"vcex-content wpex-flex-grow\">Property Portfolios<\/div><\/div><\/li>\n<li><div class=\"vcex-bullets-ci-wrap wpex-inline-flex\"><span class=\"vcex-bullets-icon-wrap vcex-icon-wrap wpex-mr-10\"><span class=\"vcex-bullets-icon vcex-icon wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg><\/span><\/span><div class=\"vcex-content wpex-flex-grow\">Self builds<\/div><\/div><\/li>\n<li><div class=\"vcex-bullets-ci-wrap wpex-inline-flex\"><span class=\"vcex-bullets-icon-wrap vcex-icon-wrap wpex-mr-10\"><span class=\"vcex-bullets-icon vcex-icon wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg><\/span><\/span><div class=\"vcex-content wpex-flex-grow\">Business Finance &amp; Restructuring<\/div><\/div><\/li>\n<li><div class=\"vcex-bullets-ci-wrap wpex-inline-flex\"><span class=\"vcex-bullets-icon-wrap vcex-icon-wrap wpex-mr-10\"><span class=\"vcex-bullets-icon vcex-icon wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg><\/span><\/span><div class=\"vcex-content wpex-flex-grow\">Commercial Premises<\/div><\/div><\/li>\n<li><div class=\"vcex-bullets-ci-wrap wpex-inline-flex\"><span class=\"vcex-bullets-icon-wrap vcex-icon-wrap wpex-mr-10\"><span class=\"vcex-bullets-icon vcex-icon wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg><\/span><\/span><div class=\"vcex-content wpex-flex-grow\">Income Protection<\/div><\/div><\/li>\n<li><div class=\"vcex-bullets-ci-wrap wpex-inline-flex\"><span class=\"vcex-bullets-icon-wrap vcex-icon-wrap wpex-mr-10\"><span class=\"vcex-bullets-icon vcex-icon wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg><\/span><\/span><div class=\"vcex-content wpex-flex-grow\">Mortgage Protection<\/div><\/div><\/li>\n<li><div class=\"vcex-bullets-ci-wrap wpex-inline-flex\"><span class=\"vcex-bullets-icon-wrap vcex-icon-wrap wpex-mr-10\"><span class=\"vcex-bullets-icon vcex-icon wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M256 48a208 208 0 1 1 0 416 208 208 0 1 1 0-416zm0 464A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209c9.4-9.4 9.4-24.6 0-33.9s-24.6-9.4-33.9 0l-111 111-47-47c-9.4-9.4-24.6-9.4-33.9 0s-9.4 24.6 0 33.9l64 64c9.4 9.4 24.6 9.4 33.9 0L369 209z\"\/><\/svg><\/span><\/span><div class=\"vcex-content wpex-flex-grow\">Personal &amp; Key Man Assurance<\/div><\/div><\/li>\n<\/ul>\n<\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; css=&#8221;.vc_custom_1762173112690{padding-top: 10px !important;background-image: url(https:\/\/simplymortgagesonline.com\/wp-content\/uploads\/2025\/11\/gradient.jpg?id=35) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; css=&#8221;.vc_custom_1762173062126{padding-top: 300px !important;background-image: url(https:\/\/simplymortgagesonline.com\/wp-content\/uploads\/2025\/11\/family-with-their-little-daughter-autumn-field.jpg?id=73) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; wpex_bg_position=&#8221;top left&#8221;][vc_column][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; css=&#8221;.vc_custom_1762173107754{padding-top: 10px !important;background-image: url(https:\/\/simplymortgagesonline.com\/wp-content\/uploads\/2025\/11\/gradient.jpg?id=35) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_column][\/vc_column][\/vc_row][vc_row column_spacing=&#8221;40&#8243; css=&#8221;.vc_custom_1762168915372{padding-top: 50px !important;padding-bottom: 50px !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;&#8221;] Protecting your needs Andrew&#8217;s extensive time of working within the protection industry both in the family and commercial markets means&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-47","page","type-page","status-publish","hentry","entry","no-media"],"_links":{"self":[{"href":"https:\/\/simplymortgagesonline.com\/index.php\/wp-json\/wp\/v2\/pages\/47","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/simplymortgagesonline.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/simplymortgagesonline.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/simplymortgagesonline.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/simplymortgagesonline.com\/index.php\/wp-json\/wp\/v2\/comments?post=47"}],"version-history":[{"count":10,"href":"https:\/\/simplymortgagesonline.com\/index.php\/wp-json\/wp\/v2\/pages\/47\/revisions"}],"predecessor-version":[{"id":119,"href":"https:\/\/simplymortgagesonline.com\/index.php\/wp-json\/wp\/v2\/pages\/47\/revisions\/119"}],"wp:attachment":[{"href":"https:\/\/simplymortgagesonline.com\/index.php\/wp-json\/wp\/v2\/media?parent=47"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}