Personal Insurance & Protection Advice
Protect what matters - income, family and future
Insurance and protection are about ensuring that your home, income, and loved ones are financially secure if life doesn’t go to plan. Whether you’re buying a property, supporting a family, or running your own business, the right protection can provide reassurance and stability when it matters most.
Protection advice isn’t about worst-case thinking – it’s about putting sensible measures in place so that illness, injury, or unexpected events don’t put unnecessary pressure on you or those who depend on you.
Most first calls with a Haupt & Co Protection Specialist only take 15–20 minutes
No obligation, just clear advice
Understanding Insurance & Protection
Protection insurance is designed to help cover key financial commitments if you’re unable to work, become seriously ill, or pass away. This can include help with mortgage payments, household bills, or providing long-term financial support for your family.
Common types of protection include:
- Life insurance
- Critical illness cover
- Income protection
- Private Medical Insurance
Each policy serves a different purpose, and most people only need a combination that reflects their income, responsibilities, and stage of life.
What we do
Our role is to assess financial risk, identify gaps in protection, and recommend solutions that are proportionate, practical, and appropriate.
We take the time to understand:
- Your mortgage and financial commitments
- Your income and employment structure
- Your family circumstances and future priorities
We help you decide what to put in place now, what can wait, and what you may not need at all – so protection supports your life, rather than complicates it.
Haupt & Co is a whole-of-market, FCA-regulated mortgage and protection broker, focused on helping you protect your home, income, and family with confidence.
What we'll cover in an initial conversation:
- What financial risks matter most in your situation
- How different protection policies work in practice
- What level of cover is realistic and sustainable alongside your income and commitments
- How policies fit alongside your mortgage and wider plans
No obligation - just straightforward guidance, tailored to your situation.
Most of our clients are referred to us by existing customers
Meet Nick
Executive Protection Specialist
Nick is known for his friendly, down-to-earth approach and his ability to put people at ease, even during more difficult conversations. Our clients value how clearly and calmly he explains their options.
Nick specialises in life insurance, critical illness cover, income protection and private medical insurance, and brings over 10 years of experience to every conversation.
Rather than pushing standard products, Nick helps you choose cover that genuinely fits your circumstances.
How it Works
Our process is designed to be straightforward, transparent, and easy to follow from first conversation through to ongoing support.
Understand
Research & Advice
Apply
Support
- We explain your options clearly, including trade-offs and limitations
- We compare suitable policies across the market, focusing on value and relevance
- We recommend cover that reflects real risks - not hypothetical ones
- We handle the application and provide requirements on your behalf
- We remain available for ongoing support as your circumstances change
The right protection brings peace of mind today, and security for the people you care about tomorrow.
Insurance & Protection FAQs
No two situations are the same. These are some of the questions we’re asked most often.
Do I really need protection insurance?
Most people insure their car, phone, or home – yet their income, which funds everything else, is often left unprotected. If your income stopped due to illness, injury, or worse, protection insurance helps ensure your mortgage, bills, and family commitments can still be met.
Protection isn’t about assuming the worst will happen. It’s about ensuring that if it does, the financial impact on you and your family is manageable rather than overwhelming.
What happens to my mortgage if I can’t work?
In many cases, nothing happens automatically – the mortgage still needs to be paid. Statutory Sick Pay is limited and often short-term, and not everyone has employer sick pay or benefits to rely on.
Protection insurance can provide income or a lump sum to help cover mortgage payments and household costs, giving you breathing space and stability during a difficult period.
Isn’t protection insurance expensive?
Protection is often far more affordable than people expect, especially when tailored properly. The cost depends on factors such as age, health, occupation, and the level of cover chosen – but many people overestimate the cost by a significant margin.
Our role is to help you understand what’s realistic, prioritise what matters most, and avoid paying for cover you don’t need.
I’m young and healthy - can’t this wait?
Serious illness or injury doesn’t only affect older people. Many protection claims are made by people in their 30s and 40s, often at a time when financial commitments are highest.
Putting protection in place earlier is usually more affordable and provides reassurance during the years when your income and responsibilities matter most.
Do I need protection if I don’t have children?
Protection isn’t just about dependants. If you have a mortgage, rent, or financial commitments, your income still needs protecting especially if you don’t have someone else to fall back on financially.
Protection can help ensure you maintain your independence and lifestyle if circumstances change.
I’m self-employed - is protection even more important?
For many self-employed people, there’s no sick pay, no employer benefits, and limited safety nets. A period without income can quickly put pressure on savings and commitments.
Income protection and related cover are often particularly valuable for self-employed clients, helping provide continuity and stability if you’re unable to work.
Can I rely on savings instead?
Savings can help, yes, but they’re often designed for plans and opportunities – not long-term illness or loss of income. Once savings are used, they’re gone.
Protection insurance helps preserve your savings and gives you a structured safety net, rather than relying solely on money you’ve worked hard to build.
Will you try to sell me policies I don’t need?
No. Protection advice should be proportionate and relevant. Our role is to help you understand what risks are worth addressing, where cover adds real value, and where it may not be necessary.
Many clients are surprised to find that doing less, but doing it properly, often provides the most reassurance.
What’s the first step?
A conversation with one of our Specialist Protection Advisers. We’ll talk through your circumstances, commitments, and priorities, explain what protection options exist, and help you decide whether taking action makes sense now or later.
There’s no obligation – just clear, balanced advice to help you make an informed decision.