--- title: "Insurance" description: "Life cover, family income benefit, income protection, critical illness cover, key person cover and buildings and contents insurance, often alongside a mortgage." url: "https://mortgagelane.com/insurance" site: "Mortgage Lane" date: "2026-10-08" reviewed: "2026-10-08" reading_time: "3 min" language: "en-GB" robots: "index,follow" --- # Insurance Life cover, family income benefit, income protection, critical illness cover, key person cover and buildings and contents insurance, often alongside a mortgage. We help homeowners, families, the self-employed and businesses put life cover, income protection, critical illness cover and buildings and contents insurance in place, often alongside a mortgage. That includes people an insurer has declined, postponed or offered cover only with a higher premium or an exclusion. [Protection insurance](https://mortgagelane.com/definitions?term=protection-insurance) Insurance Insurance that pays a lump sum or a regular income if the person covered dies, is diagnosed with a specified serious illness or cannot work because of illness or injury. It protects people and their income rather than property. [Read the full definition of Protection insurance](https://mortgagelane.com/definitions?term=protection-insurance) - [2026](https://mortgagelane.com/insurance/buildings-and-contents-insurance)[Buildings and Contents Insurance, Home Cover for Mortgages](https://mortgagelane.com/insurance/buildings-and-contents-insurance) — Buildings and contents insurance: rebuild cost or market value, the cover your mortgage lender needs, flood risk, listed and non-standard homes, and renewals. — Joseph Lane · 8 Oct 2026 · 19 min[Read more about Buildings and Contents Insurance, Home Cover for Mortgages](https://mortgagelane.com/insurance/buildings-and-contents-insurance) - [2026](https://mortgagelane.com/insurance/critical-illness-declined)[Critical Illness Declined, Exclusions and Alternatives](https://mortgagelane.com/insurance/critical-illness-declined) — Critical illness cover when declined: why it is refused when life cover is accepted, exclusions, severity-based cover and income protection as an alternative. — Joseph Lane · 8 Oct 2026 · 18 min[Read more about Critical Illness Declined, Exclusions and Alternatives](https://mortgagelane.com/insurance/critical-illness-declined) - [2026](https://mortgagelane.com/insurance/family-income-benefit)[Family Income Benefit, Life Cover Paying a Monthly Income](https://mortgagelane.com/insurance/family-income-benefit) — Family income benefit: life insurance that pays your family a monthly income to the end of the term, how it pays out, what it costs, indexation and trusts. — Joseph Lane · 8 Oct 2026 · 18 min[Read more about Family Income Benefit, Life Cover Paying a Monthly Income](https://mortgagelane.com/insurance/family-income-benefit) - [2026](https://mortgagelane.com/insurance/income-protection)[Income Protection Insurance, Deferred Periods and Sick Pay](https://mortgagelane.com/insurance/income-protection) — Income protection pays a monthly income if illness or injury stops you working: deferred periods, own occupation, 2026 sick pay, self-employed and directors. — Joseph Lane · 8 Oct 2026 · 17 min[Read more about Income Protection Insurance, Deferred Periods and Sick Pay](https://mortgagelane.com/insurance/income-protection) - [2026](https://mortgagelane.com/insurance/key-person-insurance)[Key Person Insurance, Keyman Cover and Tax Treatment](https://mortgagelane.com/insurance/key-person-insurance) — Key person insurance protects a business against losing someone it relies on: sizing cover on lost profit, loan protection, tax treatment and related cover. — Joseph Lane · 8 Oct 2026 · 19 min[Read more about Key Person Insurance, Keyman Cover and Tax Treatment](https://mortgagelane.com/insurance/key-person-insurance) - [2026](https://mortgagelane.com/insurance/life-insurance-when-declined)[Life Insurance When Declined, Refused or Postponed Cover](https://mortgagelane.com/insurance/life-insurance-when-declined) — Life insurance when declined: why insurers refuse or postpone, loadings and exclusions, specialist underwriting, over-50s plans and your disclosure rights. — Joseph Lane · 8 Oct 2026 · 22 min[Read more about Life Insurance When Declined, Refused or Postponed Cover](https://mortgagelane.com/insurance/life-insurance-when-declined) ## Explore related mortgage pages - [2026](https://mortgagelane.com/mortgages/residential-property-mortgages)Mortgage[Residential Mortgages](https://mortgagelane.com/mortgages/residential-property-mortgages)Explore residential property mortgage options for first-time buyers, home movers and homeowners remortgaging. Compare the criteria lenders use to assess a residential property loan.[Read more about Residential Mortgages](https://mortgagelane.com/mortgages/residential-property-mortgages) - [2026](https://mortgagelane.com/mortgages/self-employed-mortgages)Mortgage[Self-Employed Mortgages, Sole Traders, Directors and CIS](https://mortgagelane.com/mortgages/self-employed-mortgages)Self-employed mortgages for sole traders, partners, directors, contractors and CIS workers: how lenders read each income, the documents and one year's accounts.[Read more about Self-Employed Mortgages, Sole Traders, Directors and CIS](https://mortgagelane.com/mortgages/self-employed-mortgages) - [2026](https://mortgagelane.com/mortgages/commercial-mortgages)Mortgage[Commercial Mortgages](https://mortgagelane.com/mortgages/commercial-mortgages)We offer mortgage solutions for commercial properties. We can assist all commercial property types for investment and owner occupation.[Read more about Commercial Mortgages](https://mortgagelane.com/mortgages/commercial-mortgages) ## Talk it through with an adviser Twenty minutes on the phone is usually enough to tell you what is realistic. Published: 2026-10-08 Last reviewed: 2026-10-08 Source: https://mortgagelane.com/insurance