Address:
Green Lake Ln, Aldford, Chester CH3 6HW
Give us a call:
01244 330 134
Email Address:
advice@northstarmortgages.co.uk
Protection
At North Star Mortgages & Financial Services, we believe good advice should help you feel steady and prepared, no matter what life brings. Protection is about more than policies — it’s about knowing you and your family are financially secure if circumstances change.
From Life Insurance and Critical Illness Cover to Income Protection and Business Protection, we’ll help you make sense of the options and choose cover that fits your goals. With clear, whole-of-market advice, we help you move forward with quiet confidence. Whatever your needs, our role is to make complex choices feel simple, reassuring, and built around you.
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Life
Insurance
Life Insurance provides essential financial reassurance for the people who matter most. Whether you want to cover a mortgage, maintain family income, or leave a legacy, we’ll help you compare leading UK providers and select the right level of cover. Our advice focuses on clarity, helping you understand how the policy works, what it protects, and how it supports your wider financial plan. It’s a simple, effective way to create stability for your loved ones. With the right plan in place, you can live each day with confidence, knowing your family’s future is secure.
If a serious illness were to affect your life, Critical Illness Cover can offer a vital financial cushion. It pays a tax-free lump sum following diagnosis of a covered condition such as cancer, heart attack, or stroke. We’ll guide you through how different insurers define illnesses, what support services are available, and how the cover can work alongside your existing commitments. Our aim is to make complex information straightforward — so you can make a calm, informed choice about your protection. By planning ahead, you can focus on recovery while knowing your finances are in safe hands.
Critical Illness Cover
Income
Protection
Your ability to earn underpins everything you build. Income Protection provides regular payments if illness or injury prevents you from working, helping you keep up with bills and living costs. We compare short- and long-term policies across the market and explain how deferment periods, benefit amounts, and terms fit your personal circumstances. With the right plan in place, you can stay focused on recovery without financial pressure. It’s a dependable way to maintain stability when life takes an unexpected turn, giving you time and space to rebuild with confidence.
Whole of Life Insurance offers lifelong cover, paying out whenever you pass away. It can help with inheritance tax planning, funeral costs, or leaving a guaranteed gift to family. We’ll explore the options with you, including how this type of policy can complement a trust or estate plan, and ensure it suits both your budget and long-term aims. Thoughtful planning today can provide lasting peace of mind for tomorrow. Our advisers are here to ensure your policy evolves with you, protecting your intentions as life changes.
Whole of Life
Gift
Inter-Vivos
A Gift Inter Vivos policy can protect your family from an unexpected inheritance tax bill after making a financial gift. This specialist cover runs for up to seven years and reduces in line with potential liability. We’ll explain how it fits into broader estate planning, liaising with your accountant or solicitor if needed. It’s a precise, practical way to ensure your generosity remains intact for those you care about. Taking this step now offers both clarity and comfort, knowing your estate will be handled as you intended.
Behind every successful business are people whose contribution is irreplaceable. Business Protection helps maintain stability if a key person, director, or shareholder dies or becomes critically ill. We advise on Key Person Cover, Shareholder Protection, and Relevant Life plans, tailoring each to your company’s structure. Our role is to help you prepare thoughtfully, keeping your business strong, your employees supported, and your plans on track. With the right cover in place, your organisation can continue to grow with resilience and confidence, even through uncertainty.
Visit our dedicated page for more information:
Business
Protection
Relevant Life Protection
A Relevant Life Plan provides life cover for company directors or employees, paid for by the business in a tax-efficient way. It offers valuable protection for individuals while giving employers a simple way to provide meaningful benefits. We’ll help you compare providers, understand HMRC rules, and structure the policy correctly. It’s a straightforward, compliant solution for modern businesses that want to look after their people responsibly. This kind of protection can make a lasting difference, both to staff wellbeing and long-term business stability.
Private Medical Insurance gives you quicker access to diagnosis and treatment through private healthcare. Whether you’re insuring yourself, your family, or your employees, we’ll help you review cover options from leading UK insurers, weighing up cost, flexibility, and hospital choice. Clear guidance and honest comparisons ensure you find a policy that supports your wellbeing and offers genuine value for money. With the right cover in place, you can take comfort in knowing your health needs will be met promptly and professionally, whenever life demands it.
Private Medical Insurance
Home
Insurance
Your home is often your biggest investment. Buildings and Contents Insurance protects it from unexpected events such as fire, theft, or flood. We work with trusted UK insurers to secure comprehensive protection suited to your property and lifestyle. Our team will help you understand what’s covered, what’s optional, and how to get the balance right between premium and peace of mind. It’s about protecting your home - and the sense of safety it represents, with clarity and confidence.
Landlords’ Insurance safeguards your rental property, covering risks like accidental damage, loss of rent, or liability claims. We’ll help you choose cover appropriate for single properties or portfolios, ensuring both your asset and your income are protected. With practical, tailored advice, you can manage your investments with confidence and protect against the unexpected. Having the right protection in place keeps your property plans stable and your tenants secure, whatever the market brings.
Landlords' Insurance
Let Us Guide You Toward Financial Confidence.
North Star Mortgage & Financial Services Ltd, based in the Chester area and supporting clients across the UK and overseas, provides expert, whole-of-market mortgage, protection, and financial guidance, optimised to help homebuyers, homeowners, landlords, and expats find the right solution wherever they are.