Mortgage Protection

Your mortgage is likely to be your biggest monthly outgoing, so if you are the breadwinner, you need to think about how your family would meet monthly repayments without your income.

Cream look after many homeowners and understand the importance of repaying the mortgage and other debts first, in the event of death.

Before taking out cover though, always check with your employer to see how much they will pay out in the event of your death.

Mortgage protection life cover lasts for the same length of time as your mortgage. Most people with repayment mortgages go for decreasing life polices, which means the size of the pay-out decreases in line with your mortgage debt as it gets smaller over time.

If you currently have an interest-only mortgage, and are therefore only repaying the mortgage interest and not the capital debt, remember to include both capital and interest when working out how much cover your need.

If you have an interest only mortgage, your Cream adviser will most likely recommend a level term assurance policy. If repayment, then you should have a decreasing policy.

Your Cream adviser will ensure you get the product you need, with the right provider, at a price you can afford.

Get a Quote

Fill in our quote form and an adviser will contact you to arrange an appointment.

Existing Customers

If you have queries about your existing policy please get in touch.

About Cream

Learn more about Cream, our mission and commitment.

Life insurance could be the most important financial product you ever buy.

If you die while you still have dependants, being able to claim on a life insurance policy could be the difference between your loved ones struggling to make ends meet, and their financial security.

Despite this, many of us simply don’t have any life insurance cover in place. Your Cream Financial Services adviser will ensure you get the product you need, with the right provider, at a price you can afford.




Refer a friend

Cream operates a refer and earn scheme and we'll pay up to £150 for each successful Life insurance referral.



Free Will

Cream offers a free Will service worth £130 which is available with every Life policy taken out.

Free Trust
Every Life policy taken out with Cream has the option to have a free trust set up for you if you wish to do so.


Cream Financial Solutions
49 Waterloo Road

Southern Office
Trinity Court
2-4 West Street, Fareham
PO16 0BH

Northern Office
Second Floor
Focus House
1 Central St

Bespoke tailored insurance solutions built around you and your family. Completely free initial consultation. Quality, personal advice.