Free, no-obligation reviews of your mortgage, life insurance and family protection with Virtuous. We compare a wide panel of UK insurers and lenders, break everything down so you understand it clearly, and help you put Wills, LPAs and Trusts in place so your family is prepared, not powerless.
Accident and sickness cover from one of the UK's leading insurers. Add all your children and step-children, however many you have, from birth until their 23rd birthday. They don't even need to live with you. It pays out per broken bone and per hospital stay, not just once.
There's no health questionnaire and no medical, so conditions like diabetes, high blood pressure or asthma won't stop you getting cover.
You can't buy this cover direct from the insurer or a comparison site. We arrange it for you and explain every detail.
Amounts shown are the maximum at the highest cover level. You choose from 5 cover levels, from £11 to £55 a month for your own cover, and children's cover adds £2 to £10 a month. Hospital stays caused by sickness are covered once your policy has been running for 12 months. Your own benefits reduce by 50% from your 70th birthday. Non-underwritten means no medical questions are asked, but claims linked to a condition you already had may not be covered. Exclusions apply. We'll give you the insurer's full policy summary before you decide.
Get my family quoteBeen refused cover, postponed or quoted a price you can't afford? Every insurer assesses risk differently. We search a wide panel, including specialist insurers, and we can often still find cover for people who were told no.
Send us your quote and we'll compare it like for like. If we can't find you better cover or a better price, we'll tell you honestly.
**Like-for-like cover from a UK-regulated insurer, with a written quote dated within the last 30 days. Subject to underwriting and eligibility. We can't guarantee to beat or match every quote.
UK homeowners coming off a two-year fixed rate during 2026.
Compare the Market / FCA data, Sept 2026 [1]Extra a month, on average, if your deal ends and you roll onto the standard variable rate.
Based on £200,250 over 25 years [1]Of mortgages maturing between July and December 2026, with London the biggest region.
Barclays / CACI, June 2026 [2]Most people have never had insurance, mortgages or Wills properly explained to them. We break everything down in plain English, step by step, so you know exactly what you're getting, why you need it and what it means for your family.
“Unlike my past experience, Virtuous made certain that I was aware of every step, that each and every detail was always explained, and that they checked in with me at every step. I couldn't have asked for a more supportive staff! They made the experience absolutely stress-free.”
“Not only did they help me to become a property owner, they didn't leave my side until I was fully protected. Securing and educating me on my medical, life and critical illness insurance and supporting me through the underwriting process, as I thought no one would be able to get me cover with the complexity of my case.”
“By the end they even arranged a Trust, a Will and understanding of why I needed a LPA, which was new to me… I have recommended my whole family and friends because their passion for legacy really stands out from the rest.”
When a fixed rate ends, most lenders move you straight onto their standard variable rate. In July 2026 the average SVR was 7.13%, against 4.79% for a new two-year fix [1]. That gap costs families thousands a year.
SVR stands for standard variable rate. It is your lender's default interest rate. When your fixed, tracker or discount deal comes to an end, your mortgage moves onto it automatically. You don't sign anything or get asked first. It simply happens if you don't arrange a new deal.
Example: on a £200,250 mortgage over 25 years, a 4.79% fix costs about £1,146 a month. The same mortgage on a 7.13% SVR costs about £1,432, which is £286 more every month for doing nothing.
Start your review. Many lenders let you secure a new rate this early, so you can lock in a deal and still switch if rates fall.
Applications, valuations and paperwork take time. Leaving it later than this narrows your options.
A rushed decision often means taking whatever your current lender offers, without comparing the market.
You move onto the SVR. On an average mortgage that is around £3,400 more a year until you switch [1].
Your home may be repossessed if you do not keep up repayments on your mortgage.
Put in your own numbers. This is an illustration only, not a quote.
Rolling onto the SVR could cost you £0 a month, or £0 a year.
Repayment mortgage, monthly payments, capital and interest. Default rates are UK averages for July 2026 [1]. Your lender's SVR and the rates available to you will differ.
Buying your first home can feel out of reach. We take you through every step in plain English, from your first conversation to getting the keys.
Whether it's your first rental or you're growing a portfolio, we search lenders that suit landlords, including limited company buy-to-let.
Lending criteria vary. All mortgages are subject to the lender's affordability checks and status. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.
28% of mortgage holders aged 18 to 40 have no life cover at all, and more than £433bn of UK mortgage debt isn't covered by life insurance [17]. If the worst happened, this is what usually follows.
homeowner mortgages were in arrears in mid-2026, and 1,150 homes were repossessed in just three months.
UK Finance, Aug 2026 [21]of people who had to stop work through serious illness with no insurance said it contributed to losing their home.
Specialists4Protection, 2016 [22]of the same group suffered from depression. 14% said their relationship broke down, and 1 in 10 said their children were affected.
Specialists4Protection, 2016 [22]homeowners have no critical illness cover, and 8 in 10 paying a mortgage have no income protection.
Royal London, Jan 2024 [23]Arrears, repossession, stress, depression, relationship breakdown and children uprooted from their homes and schools. The right protection stops a crisis turning into a lasting family trauma.
Mortgage protection can pay off or cover your mortgage, so your family keeps the home. It often costs less than people expect, and we can review it alongside your remortgage.
Protect my home
Founder of Virtuous Legacy Protection · FCA-regulated protection adviser
Every family deserves a legacy. My mission is to help you build it, protect it and pass it on.
Kaydian grew up in South London and has built her work around one belief: understanding money changes what a family can build. She founded Virtuous Legacy Protection and is an FCA-regulated protection adviser, known for making insurance, mortgages and estate planning feel clear rather than complicated.
Warm, down to earth and straight-talking, Kaydian is professional when it counts and fun to work with. She will tell you plainly what you need, what you don't, and why. Her passion for financial education also led her to create Chill & Trade with Kay, teaching children as young as 5 how protection, the stock market, wealth building and trading work.
A policy set up for your first flat, or before the children arrived, may now pay out too little, end too early, or sit outside a Trust and face inheritance tax. Many people never look at it again.
of UK adults have never reviewed their protection policies.
Vitality, Aug 2025 [3]policyholders have moved house since they took out their cover.
Vitality, Aug 2025 [3]Tick anything that has happened since you took out your policy.
Protection is a strategy. We look at your mortgage, your income, your health and your family together, then build the cover around them.
A lump sum for your family if you die during the policy term, to clear the mortgage, replace income or cover childcare.
Cover that lasts your lifetime, often used to leave an inheritance or help with an inheritance tax bill.
A tax-free lump sum if you are diagnosed with a serious illness covered by the policy, such as many cancers, heart attack or stroke.
A monthly income if illness or injury stops you working, paid until you return to work or the policy ends.
Faster access to private diagnosis and treatment, so you are not waiting on NHS lists when it matters.
Cover for your children against serious illness and accidents, often added to your own policy at little extra cost.
Makes sure the mortgage can be paid off or kept up if you die or can't work, so your family keeps the home.
Decide who inherits, name guardians for your children and protect an unmarried partner.
Choose who can make financial and health decisions for you if you lose capacity, without a court application.
Help life insurance pay out faster to the right people, outside probate, and potentially outside your estate for inheritance tax. We complete life insurance Trust paperwork free.
Mortgages and remortgages too. First homes, home movers, remortgages and product transfers, with protection reviewed at the same time so your cover always matches your mortgage.
Talk it throughYour income is your biggest asset. Income protection pays you a monthly income if illness or injury stops you working, so the mortgage, rent and bills still get paid. And yes, it's available if you're self-employed.
a week in Statutory Sick Pay, for up to 28 weeks. That's around £534 a month [19].
No sick pay at all. Statutory Sick Pay is only for employees on a payroll [19].
people, including around 748,000 in construction, the biggest group of any industry [20].
Self-employed? Read this
With certain policies, you only need medical proof that you're unable to work. There's no digging out tax returns or accounts while you're unwell. That makes a real difference if your income goes up and down, you're newly self-employed, or you're paid in cash.
Available on selected policies, usually up to a set monthly benefit. Terms, limits and eligibility vary by insurer. We'll explain exactly what you'd need to show before you buy.
Our everyday family cover asks no health questions, so conditions like diabetes, high blood pressure or asthma won't stop you applying. It's popular with people in hands-on jobs like construction, trades and driving, where accidents are a real risk, and self-employed people don't need to prove their income.
Maximum benefits at the highest cover level. Applications accepted up to age 64. Claims linked to a pre-existing condition, and sickness-related hospital stays in the first 12 months, may not be covered. We'll talk you through the terms before you decide.
It's the cover most business owners overlook. If you, a partner or a key member of your team died or became seriously ill tomorrow, could the business keep going, pay its debts and keep its people?
of small businesses would stop trading within a month if they lost a key person.
Scottish Widows, Aug 2026 [24]would stop trading immediately if the owner became too ill to work.
Scottish Widows, Aug 2026 [24]of business owners say their business relies on more than one key person.
Scottish Widows, Aug 2026 [24]have never sought advice on business protection.
Scottish Widows, Aug 2026 [24]Life insurance for a director or employee, paid for by the company. It can be more tax-efficient than paying for personal cover yourself.
Pays the business if someone vital dies or is seriously ill, to cover lost profit, recruitment and keeping lenders and customers confident.
Gives the remaining owners the money to buy the shares of a partner who dies or is seriously ill, so control stays with you and their family is paid fairly.
Pays a lump sum to an employee's family if they die while working for you. A valued benefit that helps you attract and keep good people.
Replaces part of an employee's salary during long-term sickness, and often includes support to help them back to work.
Clears or covers business loans and personal guarantees if a key owner dies or is seriously ill, so the debt doesn't fall on their family.
Most business owners have never had this explained to them. We'll review your business, show you where the gaps are and explain your options in plain English. The review is free.
Book a business protection reviewTax treatment depends on your circumstances and HMRC rules, which can change. Relevant Life premiums are not usually treated as a taxable benefit, but this depends on the policy meeting HMRC conditions. Speak to your accountant about the tax position for your business.
paid out in UK protection claims every day in 2025, £7.84bn in total.
ABI, June 2026 [4]of life insurance claims paid. 90.2% of critical illness claims were paid too.
ABI, June 2026 [4]of individual critical illness claims were for cancer.
ABI, June 2026 [4]of UK households say they would struggle to last two months if their main income stopped.
Novuna, May 2026 [5]people in the UK are diagnosed with cancer every year. That's about one every 80 seconds.
Cancer Research UK, Apr 2026 [9]people in the UK will be diagnosed with cancer during their lifetime.
Cancer Research UK [10]women in the UK will be diagnosed with breast cancer.
Breast Cancer Now / DHSC, Oct 2026 [11]men will get prostate cancer. For Black men, it's 1 in 4.
Prostate Cancer UK [6]children aged 0 to 14 are diagnosed with cancer in the UK every year.
Cancer Research UK [12]teenagers and young adults aged 15 to 24 are diagnosed every year.
Cancer Research UK [12]
Critical illness cover can pay a lump sum if you're diagnosed, so you can focus on getting better instead of the bills. Our family cover also pays up to £25,000 if your child is diagnosed with cancer, and you can add every child for a few pounds a month.
56% of UK adults have no Will [7]. Without an LPA, families can be locked out of bank accounts and property while they apply to the Court of Protection. Probate cases taking over a year rose from 377 in 2019 to 2,328 in 2024 [7].
The intestacy rules in England and Wales set out who inherits, in a fixed order. They don't care who you meant to look after.
56% of UK adults don't know that getting married cancels an existing Will in England and Wales [13].
Unless it was written specifically with that marriage in mind, your Will is automatically revoked the day you marry or form a civil partnership. If you don't make a new one, the intestacy rules take over.
Your Will stays valid after a divorce, and your ex is treated as if they had died. But if you're separated and not yet divorced, your spouse can still inherit everything your Will leaves them, and still act as your executor.
Joan was 91 and living with dementia. She had made a Will leaving everything to her children. Then a man more than 20 years younger quietly married her, and that one ceremony cancelled her Will. Her estate went to him, and her daughter Daphne only found out afterwards.
Joan did the right thing and wrote a Will. Have you checked that yours still stands?
Reported by the Law Society, Feb 2022 [14]
A Trust lets you decide exactly who receives your money, and when. Without one, here is what can go wrong.
Inheritance tax at 40% on £150,000:
£60,000
Inheritance tax due, and the £200,000 is paid straight to your children without waiting for probate:
£0
Illustration only: a single parent in England, home left to their children, no lifetime gifts or other reliefs, 2026/27 allowances. Tax rules and allowances can change, and the right Trust depends on your circumstances. Setting up a Trust is subject to legal advice.
Fewer than 1 in 5 new term life policies were written in Trust in 2023 [18]. Most people were handed the Trust forms with their policy, didn't understand them, and never looked at them again. That one missing form can change who gets the money, when, and how much.
We fill in the forms with you, explain every section in plain English, help you choose your trustees and beneficiaries, and send it all off for you. No jargon, and no forms left in a drawer.
Already have a policy that isn't in Trust? Many existing policies can be put into Trust now. We'll check yours and do the paperwork at no cost.
Free Trust paperwork covers the insurer's standard Trust forms for policies we review or arrange. Solicitor fees vary. More complex or bespoke Trusts are arranged through qualified estate planning professionals and are subject to legal advice and fees, which we'll confirm before you proceed.
No Will, no LPA, no life cover, no income protection, no Trust. Your family may not be able to:
The right protection and documents in place:
How many do you know? Tap an answer to see the facts for England and Wales.
0 of 5 answered
Whole of life insurance lasts for the rest of your life, so it will pay out whenever you die, as long as you keep up the payments. Families use it to leave an inheritance, pay for a funeral, or cover an inheritance tax bill so the family home doesn't have to be sold.
“The prudent see danger and take refuge, but the simple keep going and pay the penalty.”Proverbs 27:12 · Planning isn't fear. It's wisdom.
76% of UK teachers say most pupils leave school without the money knowledge they need [8]. Through Chill & Trade with Kay, children learn saving, investing and how markets work through games, characters and real chart practice.
Young explorersSaving, spending and earning, taught through stories, games and rewards.
Future tradersBudgeting, investing and reading real charts, with hands-on practice.
Schools, colleges & organisationsFree taster sessions and bespoke packages for groups.
Chill & Trade with Kay provides financial education only. It is not financial advice and does not recommend any investment.
Only 48% of 7 to 17-year-olds say they've had a meaningful financial education [8].
Pick a time that suits you, or WhatsApp us whenever you're ready. No jargon, no pressure.
We look at your mortgage, existing cover and family plans, then search our panel for the right options.
We put everything in place for you. We handle the applications and paperwork, set up Trusts where they help, and check in when your life changes.
“From the very first interaction, it was clear that they genuinely cared about my situation and wellbeing… They went above and beyond, often checking in with me through daily calls and texts, which made a world of difference.”
“I had the lovely pleasure of working with Virtuous Consultancy as I started my journey in building and securing my legacy… very transparent and supportive throughout the whole process.”
“She was approachable, reassuring, and made herself available whenever I needed guidance. I remember calling at 9pm one evening… and she still helped me.”
“I have had such a lovely experience working with this team. They have helped me in such an incredible way, highly recommend.”
“Very useful and supportive service. Staff here are amazing and so positive. Thank you for all you've done for me and for others.”
Many lenders let you secure a new rate up to six months before your current deal ends. Starting then gives you time to compare options and avoid moving onto your lender's standard variable rate.
An SVR is your lender's default interest rate. When your fixed or tracker deal ends, your mortgage moves onto it automatically unless you arrange a new deal. It is usually much higher than the rates on new deals, and your lender can change it at any time, so your payments can rise with little warning. You can usually leave an SVR without an early repayment charge, which is why it's worth switching as soon as you can.
Your discovery call and protection review are free, with no obligation. If a fee applies for mortgage advice, we confirm it in writing before any work begins.
Cover taken out years ago may no longer match your mortgage, income, family or health. A review checks the amount, the term, whether it is written in Trust, and whether newer cover fits better. We will never suggest cancelling a policy before new cover is in place.
Yes. A Will lets you name guardians for your children, choose who receives what you do have, and protect an unmarried partner, who receives nothing under the intestacy rules in England and Wales.
An LPA lets people you trust make decisions about your finances or your health if you lose capacity. Registering one costs £92. Without one, your family may need to apply to the Court of Protection, which costs £400 to apply and can take months [7].
Often, yes. Insurers assess health, weight, occupation and past claims differently, and some specialise in cover others decline. We search a wide panel, including specialist insurers. If you already have a quote, send it over and we'll aim to beat or match it like for like.
Without a Trust, the payout goes into your estate. It can be delayed by probate, may count towards inheritance tax, can be used to pay debts first and may not reach the people you intended. A Trust lets the money go straight to the people you choose, usually much faster. We complete the insurer's Trust paperwork for free, including for many existing policies.
Yes. In England and Wales, marriage or a civil partnership automatically cancels an existing Will unless it was made in contemplation of that marriage. Divorce doesn't cancel your Will, but your ex is treated as if they had died. If you are only separated, your spouse can still inherit, so review your Will after any big change.
Often, yes. Lenders assess people differently, so searching a wide panel matters. Tell us your situation on the call and we will be upfront about your options.
Storms come to every house. The difference is the foundation. Book a free discovery call, ring us during office hours, or send a WhatsApp message any time.
PREPARED ✓ not powerless ✕
