From Life & Health Insurance to Buildings & Contents Insurance, take a look at the additional services we offer.

Wherever possible, we ensure that individuals and families are aware of the effect that death or serious Illness can have on their finances and standard of living of the survivors. Curchods Mortgage Services help put plans in place to wherever possible reduce the risk, help protect the assets of the clients on death and mitigate the effect of inheritance tax.

There are a vast array of protection policy solutions available to our clients, such as Life Insurance, Critical Illness Cover, and Income Protection. Each has a selection of features and benefits. It is our job to recommend those policies that meet our clients’ individual needs.

In addition, we seek to protect your estate and ensure wherever possible that your wealth is passed on in accordance with your wishes. Whole of Life policies may be utilised in Inheritance Tax Planning. We will also consider the use of Trusts, again where appropriate.


Income Protection

The vast majority of us are reliant on our income to pay the bills and maintain lifestyle. We have bills to pay whether they are essentials such as mortgage, food and utilities or the luxuries such as holidays, eating out and gym memberships. However, what would happen should the income stop? How long could bills be paid and lifestyle be maintained on savings or benefits? These are the questions we seek answers to in order to establish if an income protection policy would help you mitigate the risk. We have a vast array of policies available to us, ensuring that the most suitable is always recommended.

Critical Illness

Serious illness can wreak havoc on both an individual and their dependant’s financial security. Illnesses such as heart attack, stroke and cancer can cause an individual to never return to work, work in a reduced role or perhaps return to work after a period of convalescence. The complete or partial loss of income can come at a time of maximum stress. Utilising the many innovative products available to us we will recommend the most suitable to mitigate the risk.

Life Assurance

Life Assurance is the foundation of any financial planning. The loss of a partner or family member is distressing enough without the worry of being able to cope financially. We will seek to understand the effect the loss of their income could have on your financial security and ability to maintain lifestyle. Utilising either Term Assurance or Whole of Life plans we will recommend the most appropriate and help you in the application process. Where appropriate we will utilise trusts to ensure that the proceeds of such plans are paid to the chosen people at the right time.

Relevant Life

A Relevant Life Plan is a term assurance plan available to employers to provide an individual death in service benefit for an employee. It is designed to pay a lump sum if the employee dies whilst employed during the length of the policy. It will also payout if the employee, whilst employed, is diagnosed with a terminal illness and meets the insurer’s definitions. A Relevant Life Plan is paid for by the employer.

Find out More

For more information about protection and the options available to you, speak to Curchods Mortgage Services specialist on protection:



The Financial Conduct Authority do not regulate estate planning, inheritance tax planning & trusts.

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Curchods Mortgage Services is a trading Style of Lifetime Wealth Management Ltd, who is an appointed representative of Quilter Financial Services Ltd and Quilter Mortgage Planning Ltd, which are authorised and regulated by the Financial Conduct Authority. Lifetime Wealth Management Ltd: Registered in England & Wales, No. 04631136. Registered Office: 12-14 Upper Marlborough Road, St. Albans, Hertfordshire, AL1 3UR. The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

If You Are Unhappy With Our Service

If you have a complaint about your adviser, or any financial advice you have received from your adviser, please contact us: Quilter Financial Planning Complaints Department Quilter Sunderland SR43 4JP Email: Tel: 0808 171 2626 You can find more information by visiting the Quilter Financial Planning website: If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (