Protection
If life took an unexpected turn, would you, your family, and your business be protected?
Illness, injury, or worse can affect far more than your health. It can hit your mortgage, your family's plans, even your business. We'll help you understand what protection you actually need, personally and professionally, with access to the whole of the protection market.
No obligation. No Jargon. Whole-of-market access.
The cover most people miss
Income Protection: the one that actually keeps everything else standing
If your income stopped tomorrow, what would happen to everything else?
Most people insure their car, their home, even their phone. Very few insure the thing that pays for all of it: their income. If you were off work through illness or injury, income protection replaces part of your income so your mortgage, bills and family life can carry on.
Replaces a portion of income if you can't work due to illness or injury
Tailored to your job, budget and how long you can manage before payments start
Especially valuable for the self-employed, who have no sick pay to fall back on
Works alongside your mortgage and other cover to keep finances stable
ALSO WORTH HAVING
Life Cover
A straightforward lump sum, or a regular income, paid to your family if you die during the policy term. It's most often arranged alongside a mortgage, so that your family isn't left carrying the debt.
Critical Illness Cover
Pays a lump sum if you're diagnosed with a specified serious illness during the policy term, giving you breathing space to focus on recovery rather than finances.
Life cover and critical illness cover are often arranged at the same time as a mortgage — but the need for them doesn't disappear once you've settled in. Anyone with a family or financial responsibilities can benefit from having this cover in place, whether you're moving house or not.
FOR BUSINESS OWNERS
Protecting your business, not just yourself
If you run a business, the risks aren't just personal. Losing a key person, a director, or a shareholder can threaten the business itself.
Relevant Life Cover
For directors & employees
A tax-efficient way for limited companies to provide life cover for directors and employees.
SHAREHOLDER PROTECTION
Keeping control where it belongs
Ensures remaining shareholders can buy out a deceased or critically ill shareholder's stake.
Keyman Insurance
Protecting your critical people
Covers the financial impact on the business of losing a key member of the team.
FOR EMPLOYEES
Looking after your team
As part of our business protection offering, we also have access to Benenden Corporate Healthcare, a scheme designed to help employers support staff health and wellbeing without the cost or complexity of full private medical insurance.
Employee Wellbeing
Benenden Corporate Healthcare
For a fixed monthly cost per employee of £15.50, your staff get:
- Day one access to all services with no exclusion for pre-existing conditions
- 24/7 GP and mental health helplines
- Private diagnostics and surgical treatment for approved procedures
- Physiotherapy, cancer support and care planning advice
- Employee rewards and discounts
The cost is the same for every employee regardless of age or health, with no excess charges and no premium rises after claims.
WIDER SUPPORT
A little further, if you need it
Alongside insurance, mortgages and protection, we also advise on smaller pension and investment matters in-house. For more complex cases, we work closely with a trusted independent financial adviser to make sure you're fully looked after, whatever your circumstances.
Why GET PROTECTION ADVICE FROM kyle
Whole-of-market access
Not tied to one provider — we find the right cover for you.
Honest conversations
We start with what matters most, not a sales pitch.
Joined-up advice
Protection reviewed alongside your mortgage and property cover.
Family business since 1980
Local, trusted, here for the long term.
FAQs
What's the difference between life cover and income protection?
Life cover pays out if you die during the policy term. Income protection pays you an ongoing income if you're unable to work due to illness or injury — while you're alive and need it most.
I'm self-employed — do I need this more than someone employed?
Often, yes. Employed people may have sick pay or employer benefits to fall back on; the self-employed usually don't, which makes income protection particularly valuable.
Is business protection only for large companies?
No — Relevant Life Cover, Shareholder Protection and Keyman Insurance are all relevant to small and medium-sized businesses, including sole director limited companies.
Do I need to have a mortgage with Kyle to get protection advice?
No — we're happy to review your protection needs whether or not we arranged your mortgage.
Not sure what cover you actually need?
A short conversation is the easiest way to find out — no obligation.