Consultation

Protection Needs Assessment

An assessment of life cover, income protection, and critical illness needs tied to mortgage debt, dependants, and how long your household could manage without your salary.

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Family home exterior representing mortgage and household protection needs

Who this is for

Mortgage holders, parents, and self-employed professionals who have never reviewed cover after a house move, new child, or change in contract status.

What you walk away with

A needs figure for each cover type, gaps versus existing policies, and a shortlist of suitable policy structures — with premium ranges before you commit.

Included

  • Household income and liability mapping
  • Review of existing employer and personal policies
  • Recommendation on cover amounts and term lengths

Not included

  • Medical underwriting decisions (insurers decide)
  • Claims handling on policies placed elsewhere

Practical details

Provider
Pennycroft advisory team
Duration
About two weeks from questionnaire to recommendation meeting
Location
Video meetings preferred; office available
Preparation
Mortgage balance, existing policy schedules, and a note of dependants’ ages
Fees
From £395 for a household assessment; arrangement fees discussed if you ask us to place cover

How the engagement unfolds

  1. 1

    Liability map

    We calculate how long income would need replacing and which debts must clear.

  2. 2

    Gap analysis

    Existing workplace death-in-service and personal policies are lined up against that need.

  3. 3

    Recommendation

    You receive cover amounts, term guidance, and typical premium bands.

Please note: We will not recommend cover you cannot sensibly afford; premiums must leave room for emergency savings.

Ready to discuss your circumstances?

Arrange an introductory call