--- title: Life Insurance, Income Protection, Critical Illness Insurance description: Explore essential protection products, including life insurance and income protection, to secure your family's future. Speak with our protection experts. image: https://www.callunafinancial.co.uk/hubfs/content/woman-and-kids-looking-at-laptop__content.jpg --- [Skip to main content](https://www.callunafinancial.co.uk/protection#main-content) [![Calluna Financial](https://www.callunafinancial.co.uk/hubfs/calluna-financial-logo-mono-white.svg)](https://www.callunafinancial.co.uk?hsLang=en) - [Home](https://www.callunafinancial.co.uk) - [Show submenu for Mortgages Mortgages](https://www.callunafinancial.co.uk/mortgages) - [First Time Buyers](https://www.callunafinancial.co.uk/first-time-buyers) - [Remortgage](https://www.callunafinancial.co.uk/remortgage) - [Moving House](https://www.callunafinancial.co.uk/moving-house) - [Buy-To-Let](https://www.callunafinancial.co.uk/buy-to-let) - Show submenu for Our Advisers Our Advisers - [Aberdeenshire](https://www.callunafinancial.co.uk/aberdeenshire) - [Clacks, Stirling & Falkirk](https://www.callunafinancial.co.uk/stephanie-english) - [Edinburgh](https://www.callunafinancial.co.uk/edinburgh) - [Glasgow](https://www.callunafinancial.co.uk/allan-coll-glasgow) - [Inverness](https://www.callunafinancial.co.uk/inverness) - [Protection](https://www.callunafinancial.co.uk/protection) - [Show submenu for Mortgage Tools Mortgage Tools](https://www.callunafinancial.co.uk/mortgage-tools) - [Mortgage Calculator](https://www.callunafinancial.co.uk/mortgage-calculator) - [Repayment Calculator](https://www.callunafinancial.co.uk/calculator-repayments) - [LBTT Calculator](https://www.callunafinancial.co.uk/calculator-lbtt) - [Mortgage App](https://www.callunafinancial.co.uk/mortgage-app) - [Jargon Buster](https://www.callunafinancial.co.uk/jargon-buster) - [Mortgage FAQs](https://www.callunafinancial.co.uk/mortgage-faqs) - [Show submenu for About Us About Us](https://www.callunafinancial.co.uk/about-us) - [Self-Employed Agents](https://www.callunafinancial.co.uk/self-employed-agents) - [Refer A Friend](https://www.callunafinancial.co.uk/refer-a-friend) - [Blog](https://www.callunafinancial.co.uk/blog) - [Contact Us](https://www.callunafinancial.co.uk/contact-us) Open main navigation Close main navigation - [Home](https://www.callunafinancial.co.uk) - Show submenu for Mortgages Mortgages - Mortgages - [Mortgages](https://www.callunafinancial.co.uk/mortgages) - [First Time Buyers](https://www.callunafinancial.co.uk/first-time-buyers) - [Remortgage](https://www.callunafinancial.co.uk/remortgage) - [Moving House](https://www.callunafinancial.co.uk/moving-house) - [Buy-To-Let](https://www.callunafinancial.co.uk/buy-to-let) - Show submenu for Our Advisers Our Advisers - Our Advisers - [Aberdeenshire](https://www.callunafinancial.co.uk/aberdeenshire) - [Clacks, Stirling & Falkirk](https://www.callunafinancial.co.uk/stephanie-english) - [Edinburgh](https://www.callunafinancial.co.uk/edinburgh) - [Glasgow](https://www.callunafinancial.co.uk/allan-coll-glasgow) - [Inverness](https://www.callunafinancial.co.uk/inverness) - [Protection](https://www.callunafinancial.co.uk/protection) - Show submenu for Mortgage Tools Mortgage Tools - Mortgage Tools - [Mortgage Tools](https://www.callunafinancial.co.uk/mortgage-tools) - [Mortgage Calculator](https://www.callunafinancial.co.uk/mortgage-calculator) - [Repayment Calculator](https://www.callunafinancial.co.uk/calculator-repayments) - [LBTT Calculator](https://www.callunafinancial.co.uk/calculator-lbtt) - [Mortgage App](https://www.callunafinancial.co.uk/mortgage-app) - [Jargon Buster](https://www.callunafinancial.co.uk/jargon-buster) - [Mortgage FAQs](https://www.callunafinancial.co.uk/mortgage-faqs) - Show submenu for About Us About Us - About Us - [About Us](https://www.callunafinancial.co.uk/about-us) - [Self-Employed Agents](https://www.callunafinancial.co.uk/self-employed-agents) - [Refer A Friend](https://www.callunafinancial.co.uk/refer-a-friend) - [Blog](https://www.callunafinancial.co.uk/blog) - [Contact Us](https://www.callunafinancial.co.uk/contact-us) # Protection ![logo\_\_nhs-scotland-1](https://www.callunafinancial.co.uk/hubfs/logo__nhs-scotland-1.svg) ### Exclusive Referral Partner of NHS Trust Workers As a homeowner, it's important to think ahead and make sure that you and your family are covered if disaster strikes. We provide a range of insurance and protection products to help you and your family move forward in the case of illness, death or unexpected events. Speak to one of our friendly, protection experts to find out what you might need and how to choose the right cover for your situation. ![A montage showing a family taking a selfie beside a pile of moving boxes and a calculator sits on a desk](https://www.callunafinancial.co.uk/hubfs/montage/family-moving-selfie__montage.png "A montage showing a family taking a selfie beside a pile of moving boxes and a calculator sits on a desk") ## Protection Products ### Life Insurance - If you pass away, your [life insurance](https://www.callunafinancial.co.uk/blog/life-insurance-explained?hsLang=en) will pay your family to help support them in any way that they need - There are various options available to suit your circumstances ### Critical Illness - If you become seriously ill, you will receive a lump sum of money - [Critical Illness](https://www.callunafinancial.co.uk/blog/critical-illness-cover-protect-your-finances?hsLang=en) polices cover major illnesses and you can also add options such as cover for permanent disability ### Income Protection - Receive a monthly benefit if you are too ill to work - Any illness that means you can't work is covered by [Income Protection](https://www.callunafinancial.co.uk/blog/income-protection-regular-income-if-you-are-unable-to-work?hsLang=en) - You can claim as many times as you like ### Private Medical Insurance - Reduce the waiting time to see a specialist or have an operation - Insurance cover for consultations and treatment in private hospitals or private clinics ## Testimonial “Steph was absolutely brilliant throughout the whole process. From looking into our existing mortgage, arranging our new mortgage, life insurance and home insurance.” ![A woman and her two children use a laptop whilst sitting on a bed](https://www.callunafinancial.co.uk/hs-fs/hubfs/content/woman-and-kids-looking-at-laptop__content.jpg?width=380&height=420&name=woman-and-kids-looking-at-laptop__content.jpg) ## All Products - Life Insurance - Critical Illness Cover - Private Medical Insurance - Family Income Benefit - Income Protection - Key Man Insurance (for business owners) ### Because we play by the book we want to tell you that... **Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.** ## Why Talk To A Protection Broker? A mortgage and protection broker will take time to understand your circumstances and financial situation, as well as your future plans, and will search through all the policies available on the market to find the ones that suit your needs most closely. Our experienced advisers will explain the benefits of different types of policies and recommend the plans that will help you and your family the most. Speak to us today and arrange an appointmentto start the process. ![Montage showing John O'Malley and an office](https://www.callunafinancial.co.uk/hubfs/montage/john-omalley__montage.png "Montage showing John O'Malley and an office") ![Image blocks lady at desk and colourful doors](https://www.callunafinancial.co.uk/hs-fs/hubfs/img__blocks-arch-subtle-yellow-contact.png?width=830&height=958&name=img__blocks-arch-subtle-yellow-contact.png "Image blocks lady at desk and colourful doors") ## Speak To Our Protection Experts **We are always happy to chat. Please give us a call or send a message - we’d love to help.** **[Book a call at a time of your choice here.](https://link.callunafinancial.co.uk/widget/booking/yJ5ud6IJbOuMTH5GQSrX)** ## Work out what your monthly payments could be. [Mortgage repayment calculator](https://www.callunafinancial.co.uk/calculator-repayments?hsLang=en) ## Mortgage questions? Check out our FAQs first. [Mortgage FAQ](https://www.callunafinancial.co.uk/mortgage-faqs?hsLang=en) ### **Proudly Accredited with Own New** Calluna Financial is now an approved broker for the Own New scheme, a powerful initiative designed to make buying a new build home more accessible through innovative shared equity solutions. This accreditation allows us to support housebuilders in accelerating sales and help buyers step into homeownership with reduced upfront costs and competitive mortgage rates. Whether you're a developer or a first-time buyer, we’re here to guide you through every step. - ![Own New Approved Broker](https://www.callunafinancial.co.uk/hs-fs/hubfs/Approved-Broker-Stamp_LinkedIn.png?width=600&height=600&name=Approved-Broker-Stamp_LinkedIn.png) Hover message - ![LIBF Certified Mortgage Adviser](https://www.callunafinancial.co.uk/hs-fs/hubfs/certified-mortgage-adviser.png?width=600&height=600&name=certified-mortgage-adviser.png) Hover message ![White mono version of the Calluna Financial logo](https://www.callunafinancial.co.uk/hubfs/calluna-financial-logo-alt-mono-white.svg "White mono version of the Calluna Financial logo") Calluna Financial is directly authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1020528 Calluna Financial Registered Office: 6 Primrose Street, Alloa, Clackmannanshire, Scotland, FK10 1JG. Registered in Scotland: SC815245. © Calluna Financial Limited. All Rights Reserved. Subscribe here to receive mortgage tips and advice from our blog by email every month. - [Terms and Conditions](https://www.callunafinancial.co.uk/terms-and-conditions) - [Privacy Policy](https://www.callunafinancial.co.uk/privacy-policy) - [Cookie Policy](https://www.callunafinancial.co.uk/cookie-policy) - [Your Rights](https://www.callunafinancial.co.uk/your-rights) - [IDD](https://www.callunafinancial.co.uk/idd) - [Contact Us](https://www.callunafinancial.co.uk/contact-us) ```json { "@context" : "schema.org", "@type" : "VideoObject", "contentUrl" : "vimeo.com/1009161022?fl=pl&fe=ti", "description" : "An STV television commercial created for Calluna Financial.", "embedUrl" : "player.vimeo.com/video/1009161022?badge=0&autopause=0&player_id=0&app_id=58479", "name" : "Calluna Financial - STV Commercial", "thumbnailUrl" : "i.vimeocdn.com/video/1952204903-ce53847e0caac258ad941f0cfe93e52f8a2404e8acb5a156e9c950cb34b1c5ee-d?mw=1800&mh=830", "uploadDate" : "2025-05-23T12:34:28TZ" } ```