Life Insurance & Protection: Secure Your Family's Future.
Specialist protection advice tailored to your circumstances. Life insurance, critical illness cover and income protection from a carefully selected panel of leading UK insurers.
Your home may be repossessed if you do not keep up repayments on your mortgage.
As with all insurance policies, conditions and exclusions will apply.
Selected Insurers
Income Protection, Critical Illness & Life Assurance
Why Work With a Protection Broker?
Working with a expert mortgage broker ensures you get the right life insurance and protection cover tailored to your needs and budget. We compare multiple providers, explain your options clearly, and recommend suitable cover to protect your family, mortgage, and financial commitments, while also guiding you on policy terms, premiums, and future protection as your circumstances change.
Multiple Policy Types
We advise on level term, whole of life, joint cover, family income benefit, and critical illness - matching the right type to your circumstances.
Cover Reviewed Over Time
When your circumstances change, we review your protection to make sure it still fits - included as part of our service.
Why Choose KB Mortgage Solutions
- ✓Products from a carefully selected number of insurers to provide a fair analysis of the market for Income Protection, Critical Illness & Life Assurance
- ✓FCA-regulated advice personalised to your circumstances (Firm Reference: 783508)
- ✓£295 fixed fee — payable on application — never upfront
- ✓Property Membership Guarantee — all future like-for-like remortgages arranged free
- ✓Speak directly to Karl — one dedicated adviser, not a call centre
- ✓No hard credit searches during initial assessment — your credit file is protected (a hard search is required at full mortgage application, as standard)
- ✓UK-wide service by phone and online — no need to travel
Lender criteria vary. Eligibility depends on your individual circumstances, the specific lender, and the full details of your credit history.
Our Insurance Partners
We offer products from a carefully selected number of insurers to provide a fair analysis of the market for Income Protection, Critical Illness & Life Assurance. We believe it's vitally important for families and homeowners to financially protect themselves and their loved ones.
Types of Protection We Arrange
We advise on the full range of protection products — not just life insurance. Every recommendation is based on your individual circumstances.
Level Term Life Insurance
The payout stays the same throughout the policy term. Suitable for covering a fixed debt or providing a lump sum for your dependants.
Whole of Life Insurance
Covers you for your entire lifetime with a payout on death, provided premiums are maintained. Often used for inheritance tax planning or leaving a legacy.
Critical Illness Cover
Pays a tax-free lump sum if you are diagnosed with a specified critical illness during the policy term. Can be standalone or added to a life insurance policy.
Income Protection Insurance
Replaces a portion of your income if you cannot work due to illness or injury. Pays a regular monthly amount until you recover, reach retirement, or the policy ends.
Family Income Benefit
Pays a regular tax-free income to your family rather than a lump sum. Often more affordable than standard life insurance for the same level of practical cover.
Your home may be repossessed if you do not keep up repayments on your mortgage.
As with all insurance policies, conditions and exclusions will apply.
Standalone Cover for Every Situation
You do not need a mortgage to benefit from protection advice. We provide standalone cover for homeowners, renters, and self-employed individuals who want to protect their family financially.
- ✓Parents and families — ensuring your children are provided for if something happens to you
- ✓Self-employed professionals — income protection when you have no employer sick pay to fall back on
- ✓Renters — your family still needs financial security even without a mortgage to protect
- ✓Anyone with dependants — if someone relies on your income, they need a plan in place
Your home may be repossessed if you do not keep up repayments on your mortgage.
As with all insurance policies, conditions and exclusions will apply.
With Protection vs Without Protection
A clear side-by-side comparison
| Scenario | Without Protection | With Protection |
|---|---|---|
| Death of a Policyholder | Family must cover mortgage, bills and debts alone | Mortgage paid off or regular income provided to family |
| Serious Illness Diagnosis | Relies on savings, statutory sick pay or family support | Tax-free lump sum to cover costs and focus on recovery |
| Loss of Income Through Illness or Injury | Mortgage arrears and financial hardship within months | Monthly payments covered until return to work or policy end |
| Growing Family or Changing Circumstances | Existing cover may no longer be adequate | We review and adjust your protection as your life changes |
| Monthly Cost | £0 — but full financial exposure if the worst happens | Typically a few pounds per week for genuine security |
We review your protection whenever your circumstances change to make sure your cover still fits your life.
Karl Burns — Specialist Mortgage Adviser
Karl Burns is the founder and principal adviser at KB Mortgage Solutions. With over 10 years of experience and more than 1,000 mortgages arranged — many for clients turned down elsewhere — Karl has the lender relationships and specialist knowledge to find solutions that mainstream brokers simply cannot access.
Over 100 Five-Star Google Reviews
Most of our clients come from recommendations — a testament to the service Karl provides.
Your Questions Answered
Got questions? We've got answers. If you need more detail, we're just a phone call away.
Explore Our Other Mortgage Services
Whatever your situation, we have the right mortgage solution for you.
Bad Credit Mortgage
Bad credit does not mean no mortgage. We search 100+ lenders including specialist adverse credit providers for CCJs, defaults, IVAs and more.
Learn MoreRemortgage Advice
Don't let your current deal expire onto an expensive standard variable rate. Access over 100 lenders - including exclusive broker-only rates - with expert guidance tailored to your circumstances.
Learn MoreBuy-to-Let Mortgages
Expert buy-to-let mortgage advice from 100+ lenders. First-time landlords to portfolio investors. Free consultation, £295 fixed fee. FCA-regulated. Call today.
Learn MoreFirst-Time Buyer
Need your first mortgage? Get expert guidance, compare the best first-time buyer mortgage rates, and unlock low-deposit schemes. Start your application.
Learn MoreMortgage Advice & Planning
Get expert mortgage advice services & planning from KB Mortgage Solutions. We guide you through every stage of your mortgage journey.
Learn MoreMortgage Protection Insurance
Protect your home and family with mortgage protection insurance. We offer trusted advice to help you choose the right coverage for your future. Book a call now!
Learn MoreNo Deposit Mortgages
Can you get a no deposit mortgage? We specialise in 100% LTV products, including guarantor and family schemes. Get expert advice to buy your first home.
Learn MoreSelf Employed Mortgages
Get the self employed mortgages you need. We specialise in complex income, Limited Company, and 1 year accounts for sole traders across the UK. Enquire today.
Learn MoreYour home may be repossessed if you do not keep up repayments on your mortgage.
Get in Touch — It's Free
A free conversation gives you a clear, honest picture of your options — no jargon, no pressure, no commitment.
- ✓No hard credit check during initial assessment (a hard search is required at full mortgage application, as standard)
- ✓Speak directly to Karl — not a call centre
- ✓£295 fixed fee — payable on application — never upfront
- ✓UK-wide service by phone and online