Protect what matters most
When you take out a mortgage, you are making one of the biggest financial commitments of your life. The excitement of a new home is real, but so is the responsibility to the people who share it with you.
Protection is about looking after the people you love and the life you’ve worked hard to build. If illness, injury or death affected your household’s income, suitable cover could help with everyday bills, mortgage payments and your family’s financial future.
We take time to understand your circumstances, explain your options clearly and help you choose cover that suits your needs and budget.
Meet your protection adviser, Holly
My name is Holly, and I’m the adviser behind Cariad Protection! 💚
Outside of work, I love the simple things in life, including long walks with my dog Marvin, Pilates classes and cooking. Family time is really important to me, as is spending time with my friends and colleagues. 🐾
I’ve been qualified to provide advice for six years, specialising in all aspects of personal and business protection.
I believe protection is about so much more than simply protecting your finances. I like to go above and beyond for my clients, taking the time to understand their lives, their families, their businesses and what matters most to them.
My aim is to help you protect your loved ones, your livelihood and everything you’ve worked hard to build, with cover that suits your needs.
For me, it’s about providing honest, personal advice and being there for my clients when they need me most. 💚
If you’re unsure where to start, or you’d like to check whether your existing cover still suits your circumstances, let’s have a chat.
Why protection planning matters
If you were unable to work due to illness, or something happened unexpectedly, could your family keep their home? Could they maintain their everyday standard of living?
Protection planning is never about being negative. It is simply about being prepared, ensuring that whatever happens in the future, the people and home you love are fully protected.
Protection products we advise on
Every family is different. We help you find the right combination of protection for your loved ones, your income, your mortgage and your business.
Life Insurance
Pays a lump sum or regular income to your family if you die within the policy term. Can be arranged to repay your mortgage or provide ongoing financial support to those who depend on you.
Critical Illness Cover
Pays a tax-free lump sum if you are diagnosed with a specified serious illness. Can be used to repay your mortgage, adapt your home, fund treatment, or cover living costs during recovery.
Income Protection
Pays a regular monthly income if you are unable to work due to illness or injury. Designed to replace a proportion of your earnings and keep your household finances stable.
Family Income Benefit
Pays a regular monthly income to your family for a set period following your death. A cost-effective way to replace your income and protect your family financially.
Mortgage Protection
Specifically designed to repay your outstanding mortgage balance if you die or are diagnosed with a specified illness. Often arranged as a decreasing term policy to match your reducing mortgage balance.
Whole of Life Protection
Cover designed to remain in place throughout your life, rather than for a fixed term, provided the policy conditions are met and premiums are maintained. It can provide a lump sum when you die, helping your loved ones with financial commitments and leaving a legacy.
Specialist Business Protection
Help protect your business against the financial impact of losing an owner or key employee through death or serious illness. We advise on key person protection, shareholder and partnership protection, and business loan protection, tailored to your business and its needs.
Personal advice tailored to your life
Life rarely stays still, and off-the-shelf policies don’t always fit what a family actually needs. We review your existing cover, workplace benefits, and mortgage commitments to create a clear, realistic plan that gives genuine peace of mind.
- No obligation, honest guidance designed around your budget
- Help with medical questions and application paperwork
- Regular reviews so your cover can adapt as your family grows
Protection designed around your family
Whether you are buying your first home, growing your family or reviewing existing cover, having the right protection in place gives you the freedom to focus on enjoying life knowing your loved ones and home are secure.
We take the time to listen, explain your choices in plain English and recommend cover that truly fits your life and budget.
Book a chat with Holly
Protection Guides & Advice
Clear, practical guides to help you understand life insurance, critical illness cover, income protection and the options available to protect your family and business. Written to help you feel informed, with personal advice available from Holly at Cariad Protection.
Protection plans are subject to underwriting and policy terms and conditions. Premiums and cover levels depend on individual circumstances. Not all conditions are covered under all policies.
Protection Advice FAQs
Still have questions? We are here to help.
Book an initial telephone consultation with Beth and get clear, honest answers.
Book Initial Telephone ConsultationProtect what matters most
Book an initial telephone consultation and we will help you find the right protection for your family, your home, and your income.