Book a Free Protection Review<\/a><\/div>\n\u2605\u2605\u2605\u2605\u2605<\/span> 5.0 from 120+ Google reviews \u00b7 FCA authorised \u00b7 Whole of market<\/p>\n[\/et_pb_text][\/et_pb_column][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”1_2″ theme_builder_area=”post_content”][et_pb_image src=”https:\/\/smfinancelounge.co.uk\/wp-content\/uploads\/2026\/11\/Web-2-1.jpg” _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” alt=”Jaroslav Scerbakov, protection insurance adviser at SM Finance Lounge” title_text=”jaroslav-scerbakov-protection-insurance.jpg” max_height=”480px” custom_padding=”||||false|false” border_radii=”on|20px|20px|20px|20px” hover_enabled=”0″ sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.9″ _module_preset=”default” background_color=”#e8f1ed” custom_padding=”0px||0px||false|false” hover_enabled=”0″ sticky_enabled=”0″][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_code _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n
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Protection insurance we arrange<\/h2>\n
We have access to a wide range of leading UK insurers, so we can compare protection insurance cover and prices for you instead of offering just one provider’s policy.<\/pee><\/p>\n<\/p>\n
Life insurance<\/pee>A lump sum for your family if you die, to clear the mortgage and keep life going.<\/pee><\/div>\n<\/p>\n
Mortgage protection<\/pee>Cover designed to pay off your mortgage, so your family keeps the home.<\/pee><\/div>\n<\/p>\n
Critical illness cover<\/pee>A tax-free lump sum if you’re diagnosed with a serious illness covered by your policy.<\/pee><\/div>\n<\/p>\n
Income protection<\/pee>A monthly income if illness or injury stops you working, paid until you return to work or the policy ends.<\/pee><\/div>\n<\/p>\n
Family income benefit<\/pee>Instead of one lump sum, your family receives a regular monthly income, often at a lower cost.<\/pee><\/div>\n<\/p>\n
Children’s cover<\/pee>Many policies can include cover for your children, such as serious illness or fracture cover, often for little or no extra cost.<\/pee><\/div>\n<\/p>\n
Home insurance<\/pee>Buildings and contents cover for your home, arranged alongside your mortgage.<\/pee><\/div>\n<\/p>\n
Landlord and rent guarantee insurance<\/pee>Protect your rental property and your rental income if a tenant stops paying.<\/pee><\/div>\n<\/div>\n
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Why a protection insurance review matters<\/h2>\n
Many people already have cover, but have never checked whether it still fits. Policies can be set up with the wrong amount, the wrong term or inaccurate details, and that can mean a claim isn’t paid when it matters most. A free protection insurance review checks what you have, fills any gaps and often finds better cover for less.<\/pee><\/p>\nWhy put your protection insurance in trust?<\/h2>\n
Writing your life insurance in trust is usually free and takes just a few minutes, but it can make a big difference to your family:<\/pee>\u2713<\/span> Faster payout:<\/strong> the money can usually be paid without waiting for probate\u2713<\/span> Inheritance tax:<\/strong> a payout in trust is usually kept outside your estate\u2713<\/span> Control:<\/strong> you decide who receives the money, and when<\/pee>We help you set up the trust when you take out your policy, and explain how it works in plain language.<\/pee><\/p>\nWith you until the end<\/h2>\n
We don’t just arrange your protection insurance and disappear. If you ever need to claim, we’re by your side, dealing with the insurer for you. When one client’s claim was refused, Jaro didn’t stop there. He supported the client all the way to the Financial Ombudsman Service, and they won.<\/pee><\/p>\nReal protection insurance results<\/h2>\n
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PROTECTION REVIEW<\/pee>“I already have everything I need”<\/pee>After we arranged his mortgage, our client didn’t want a protection review because he already had cover. When Jaro checked his policies, most had been set up incorrectly and might never have paid out. Jaro replaced them with better, valid cover, and lower premiums too.<\/pee><\/div>\n<\/p>\n
CRITICAL ILLNESS CLAIM<\/pee>Support when it mattered most<\/pee>A client in his thirties was diagnosed with a serious illness. Jaro handled the claim with the insurer from start to finish, so the family could focus on recovery while the critical illness cover paid out.<\/pee><\/div>\n<\/p>\n
INCOME PROTECTION<\/pee>A joiner who can no longer do physical work<\/pee>After a health condition, our client’s doctor told him he couldn’t continue physical work. Because he had income protection, he now receives a monthly income while he adjusts.<\/pee><\/div>\n<\/p>\n
CHILDREN’S COVER<\/pee>Covered on and off the pitch<\/pee>One family’s policy includes fracture cover for their children. With a football-loving child, they’ve claimed several times, a small add-on that has paid for itself.<\/pee><\/div>\n<\/div>\n
Every case is different. All claims are subject to the policy terms and conditions.<\/pee><\/p>\nProtection insurance FAQs<\/h2>\n
<\/p>\n\nIs protection insurance cheaper if I take it out while I’m young?<\/summary>\nUsually, yes. Premiums are generally lower the younger and healthier you are. With guaranteed premiums, your monthly payment is locked in and stays the same for the whole policy term, as long as you don’t make changes to the policy.<\/pee><\/details>\n<\/p>\n\nHow much does protection insurance cost?<\/summary>\nIt depends on your age, health, lifestyle, the amount of cover and how long you need it for. Often it’s less than people expect. We compare insurers to find the right cover at the best price for you.<\/pee><\/details>\n<\/p>\n\nI already have cover through work. Do I need more?<\/summary>\nOften, yes. Workplace cover usually ends when you leave the job and may not be enough to clear your mortgage or replace your income. A review shows exactly where the gaps are.<\/pee><\/details>\n<\/p>\n\nWhat’s the difference between critical illness cover and income protection?<\/summary>\nCritical illness cover pays a one-off lump sum if you’re diagnosed with a covered illness. Income protection pays a monthly income if any illness or injury stops you working. Many people have both.<\/pee><\/details>\n<\/p>\n\nWhy does accurate information matter so much?<\/summary>\nInsurers rely on what you tell them when you apply. If details about your health or lifestyle are wrong or missing, a claim can be reduced or refused. We make sure everything is disclosed properly from day one.<\/pee><\/details>\n<\/p>\n\nWill you help me if I need to claim on my protection insurance?<\/summary>\nYes. We support you through the claims process and deal with the insurer for you, and if a claim is unfairly refused, we’ll help you take it further, including to the Financial Ombudsman Service.<\/pee><\/details>\nFor free, impartial guidance, see MoneyHelper on life insurance<\/a>.<\/pee><\/div>\n<\/div>\n[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.9″ _module_preset=”default”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.9″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” theme_builder_area=”post_content” custom_padding=”60px||60px||false|false” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n
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BOOK YOUR FREE PROTECTION REVIEW<\/p>\n
Is your cover still right for you?<\/h2>\n
Already insured, or starting from scratch? Jaro will check what you have, explain it in plain language and show you where you could be better protected.<\/p>\n<\/div>\n
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Free 30-minute review<\/p>\n
\u2713<\/span> Pick a time that suits you
\u2713<\/span> Phone or video call
\u2713<\/span> No obligation to proceed
\u2713<\/span> Kalbame lietuvi\u0161kai \u00b7 \u0413\u043e\u0432\u043e\u0440\u0438\u043c \u043f\u043e-\u0440\u0443\u0441\u0441\u043a\u0438<\/p>\nChoose a date & time \u2192<\/a>\n<\/div>\n<\/div>\n<\/div>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"
PROTECT WHAT MATTERS Life insurance and protection Your home, your income and your family’s future, protected properly. Our protection insurance specialist Jaroslav Scerbakov finds the right cover at the right price, and stays with you if you ever need to claim. Book a Free Protection Review \u2605\u2605\u2605\u2605\u2605 5.0 from 120+ Google reviews \u00b7 FCA authorised […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-82533","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/pages\/82533","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/comments?post=82533"}],"version-history":[{"count":4,"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/pages\/82533\/revisions"}],"predecessor-version":[{"id":82538,"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/pages\/82533\/revisions\/82538"}],"wp:attachment":[{"href":"https:\/\/smfinancelounge.co.uk\/ru\/wp-json\/wp\/v2\/media?parent=82533"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}