Protection made simple
For many, a mortgage will be the largest loan they will ever take out. As an adviser, it is your responsibility to ensure your client is fully aware of the protection solutions available to them that will ensure their financial security in the event of an accident, illness or unexpected setback. Making protection not a ‘nice-to-have’ but rather a natural and essential extension of every mortgage discussion.
MetLife’s individual protection solutions, especially MortgageSafe, slot seamlessly into these conversations because they are simple, easy to understand and affordable.
Simple and straightforward for clients
One of the biggest barriers to meaningful protection conversations is complexity. If a client can’t grasp a product quickly, they’re far less likely to engage or buy.
MortgageSafe is intentionally designed to be easy to explain and even easier to understand. It is split into three different levels of cover. Core Cover provides accident only protection with no underwriting, removing a common friction point. Essential12 and Essential24 offer accident and illness protection with just five simple health questions, making the application journey fast and unobtrusive. The product offers a simple, affordable way for you to offer your clients protection of the mortgage you have just sold them. only protection with no underwriting
Fits naturally into mortgage affordability conversations
Mortgage advisers routinely talk about affordability, income stability, and future planning, all areas where MetLife protection aligns directly with the client’s needs.
If a client is unable to work due to accident or sickness, MortgageSafe can cover up to 110% of their monthly mortgage repayment, up to £1,500 per month, for 12 or 24 months (depending on the chosen cover).
This gives clients not just mortgage protection, but breathing room for other essential bills too.
Because the cover mirrors exactly what clients worry about most; their ability to keep paying their mortgage, it seamlessly complements the advice process. Advisers can easily show how temporary loss of income could create repayment challenges, and how MetLife’s solutions bridge that gap.
Affordable and accessible for a wide range of clients
Affordability is often the final hurdle in protection conversations. Many clients assume cover will be expensive or out of reach, but MetLife designed MortgageSafe specifically to challenge that perception.
MortgageSafe offers:
Multiple price points and levels of cover
Options for clients with limited budgets
Nonmedical Core Cover available to almost everyone
Quick underwriting for those choosing Essential Cover
This accessibility means advisers can confidently recommend protection to first‑time buyers, single‑income households, the self‑employed, or clients with minimal savings, all groups who are highly exposed to financial shocks.
A natural fit for modern protection needs
Protection should feel like a seamless part of the mortgage conversation, not a bolt on. MetLife helps advisers achieve exactly that. With simple products, transparent benefits, flexible cover options, and competitive pricing, it becomes easy to demonstrate how clients can protect their home, even when life takes an unexpected turn.on. MetLife helps advisers achieve exactly that. With simple products, transparent benefits, flexible cover options, and competitive pricing, it becomes easy to demonstrate how clients can protect their home
