Family Protection Insurance Sleaford

Independent advice on protecting your family’s home and lifestyle across Sleaford and Lincolnshire.

How would your family cope financially if the unexpected happened?

Family protection is a broad term covering life insurance, critical illness cover and income protection arranged with your dependants in mind. Instead of focusing only on repaying the mortgage, family protection ensures money is available for day-to-day living costs, childcare, education or future plans.

Options include:

Life cover: Provides a lump sum or income to your family if you die during the policy term.
Critical illness: Pays out if you are diagnosed with a specified serious illness such as cancer, heart attack or stroke.
Income protection: Delivers a regular income if illness or injury prevents you from working.

Family protection can be set up as a single policy or a combination, depending on budget and needs. At Spolton Mortgages we’ll help you balance affordability with peace of mind, and explain how family cover fits alongside life insurance, critical illness cover and income protection. For impartial context, see MoneyHelper’s guide to family protection.

Unbiased Advice

Dedicated to providing trusted advice, we believe financing your home should be exciting and stress-free. Here’s just some of the lenders we work with;

We access the whole of the mortgage market to find the best mortgage to suit your needs.

Protection built around your family, not just your mortgage

Whole-of-market: We compare policies across a wide range of insurers.
Holistic approach: Cover arranged for mortgage, household bills and long-term family needs.
Flexible solutions: We explain single, joint and multi-policy setups so you only pay for what you need.
Linked advice: We align family protection with first-time buyer mortgages or moving home mortgages to ensure security from day one.
Local insight: Supporting households across Lincolnshire, from Sleaford and Lincoln to Grantham, Boston and RAF bases.

How we set up family protection

We design a plan that covers your mortgage, income and household costs, ensuring your family is secure in every scenario.

Review & discuss

We look at your family structure, mortgage and financial responsibilities.

Compare & design

We compare insurer options and explain how different policies can be combined.

Apply & arrange

We manage applications and paperwork so cover is in place quickly and reliably.

Why family protection matters in Lincolnshire

With average house prices at £237,000 in North Kesteven (Sleaford) and £184,000 in Lincoln (ONS, July 2025), most households carry mortgages of £150k–£200k. For many families, losing one income would make repayments and living costs difficult to sustain.

Sleaford & NG34: Families often seek policies covering school fees, childcare costs and mortgage payments together.
Lincoln & Boston: Lower average wages mean even short-term income loss can hit hard without protection.
Grantham, Newark & Stamford: Higher house prices and commuting costs push many families to combine life, illness and income cover.
RAF bases: Service families at Cranwell, Waddington and Coningsby often need flexible policies that adapt to relocations and lifestyle changes.

We’ll tailor cover to your family’s unique needs — from paying off the mortgage to ensuring everyday bills are manageable.

We are family

Spolton Mortgages is a family mortgage broker founded by Nick and Kasia Spolton.

From our office in Sleaford, we provide mortgage and mortgage protection advice.

Well-known, and respected for providing trusted advice, we started by helping people find mortgages in Lincoln, Sleaford, and throughout Lincolnshire. Now we find ourselves helping people across the whole of the UK.

Our carefully selected panel of insurance providers

What our customers think

Useful Links

Independent resources on family financial protection:

MoneyHelper – Protecting your family’s finances

Child Bereavement UK – Financial planning support

Shelter – Housing security advice

Which? – Family insurance explained

FCA – Insurance Conduct of Business (ICOBS)

FAQs

What is family protection insurance?

It’s a plan designed to cover more than just your mortgage — it provides financial support for dependants if you die, become seriously ill, or lose income.

Do I need family protection if I already have life insurance?

Possibly. Life insurance clears the mortgage, but family protection can also provide funds for childcare, schooling and everyday costs.

Can family protection combine different policies?

Yes. Many families use a mix of life, critical illness and income protection to create a safety net.

Is family protection insurance expensive?

Costs vary by age, health, and cover level. We’ll compare options to balance affordability with protection.