Protection
what we offer ?
Protect your future and those you love with confidence.
We’ll help you choose the right cover based on your needs, giving you and your loved ones confidence and peace of mind.
Life cover for life’s unexpected moments
Protecting your loved ones is an important consideration when planning for the future. Life insurance is designed to provide financial support in the event of death, helping to support your family or cover outstanding financial commitments.
We’ll help you consider the level and type of cover that may be appropriate for your circumstances and budget, explaining how policies work and what they cover. Life insurance can feel complex, but our aim is to make the process clear and straightforward so you can make an informed choice.
Get in touch to explore your options and secure peace of mind for you and your family.
Protect your income and your future
Income protection is designed to provide financial support if you are unable to work due to illness or injury, subject to the terms and conditions of the policy. Depending on the cover selected, it may pay a regular income after a chosen deferral period and continue while you remain unable to work, until you return to work, retire, or the policy ends.
We compare a range of policies to help you understand cover options that may suit your needs, lifestyle, and budget. We’ll explain key features such as exclusions, waiting periods, and benefit limits, so you can decide whether income protection is right for you.
Speak to us to explore income protection options based on your individual circumstances.
Critical illness cover for added financial protection
A serious illness can affect more than just your health it may also have an impact on your finances and future plans. Critical illness cover is designed to pay a lump sum if you are diagnosed with a specified condition covered by the policy, subject to its terms and definitions.
This payment may be used to help with financial commitments such as household bills, medical-related costs, or time away from work. Policies vary in the conditions covered, the severity required to make a claim, and any applicable exclusions, so it’s important to understand how cover works.
We’ll help you compare options from a range of insurers and explain key features so you can decide whether critical illness cover is suitable for your needs, lifestyle, and budget.
Over 50s life insurance for later-life planning
Over 50s life insurance is designed for people typically aged between 50 and 80 who wish to leave a financial gift, help cover funeral costs, or provide support for their loved ones. These policies usually offer fixed monthly premiums and a fixed level of cover for the life of the policy, subject to terms and conditions.
Some over 50s policies may not require medical underwriting, but eligibility, premiums, and cover limits vary between providers. Most policies include an initial qualifying period, during which a full payout may not be made for death due to natural causes.
We’ll help you understand how over 50s life insurance works, including any exclusions, waiting periods, and long-term costs, so you can decide whether this type of cover is appropriate for your circumstances.
Secure your family’s future with whole of life insurance
Life can be unpredictable, and whole of life insurance is designed to provide lifelong cover, subject to policy terms and conditions. The policy is intended to pay out a lump sum on death, which may help support your loved ones or contribute towards financial responsibilities at that time.
Whole of life insurance can be used for a range of planning needs, such as helping with funeral costs or leaving a financial gift. Premiums and cover levels vary, and it is important to understand how long premiums are payable and how the policy works over the long term.
We will help you explore whole of life insurance options and explain the key features, costs, and conditions so you can decide whether this type of cover is suitable for your needs, budget, and goals.
Protect your home and belongings with buildings and contents insurance
Buildings and contents insurance is designed to help protect your property and personal belongings against risks such as damage, loss, or theft, subject to the terms and conditions of the policy. Buildings insurance typically covers the structure of your home, while contents insurance covers items inside the property.
Policies vary in what they cover, including limits, exclusions, and optional extras, so it is important to understand the level of protection provided. We can help you review your options and explain the differences between policies so you can choose cover that suits your circumstances and budget.
With access to a range of insurers, we will help you explore buildings and contents insurance options and understand what is covered before you make a decision.
Independent Expertise You Can Trust
As independent, whole-of-market advisers, we’re not tied to any single lender or insurer.
We work with an unlimited number of providers, allowing us to compare products, criteria, and pricing across the market. This means our advice is focused entirely on your needs - recommending the mortgage or protection solution that best suits your circumstances.
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why choose us?
4 key things to bear in mind when preparing for your quote
Understanding these factors helps ensure you receive an accurate, fair quote that reflects your circumstances and gives you the right level of protection.
Keeping these in mind can help you secure cover that supports your loved ones
without paying more than you need to.
1
Your Health
Your health is one of the main factors insurers assess. Your medical history, any ongoing conditions, and general wellbeing all influence your premiums. Being clear and honest helps ensure you get the most accurate quote.
2
Your Age
Age plays a major role in the cost of life insurance. The younger you are when you take out a policy, the lower your premiums are likely to be. Securing cover early can help you
lock in a better rate.
3
Your Occupation
Some jobs involve more risk than others, and insurers take this into account when calculating your premium. Be prepared to share details about your day-to-day role
and working environment.
4
Your Lifestyle
Habits such as smoking, drinking, or high-risk hobbies can affect your quote. Insurers look at lifestyle choices to understand your overall risk level. Making healthy choices can lead to more favourable premiums.
Client Satisfaction
Tailored Solutions
Trusted Customer Support
Your Protection Journey Starts Here
Personalised solutions designed around your goals
Clear, expert guidance from start to finish
Access to competitive rates across a wide range of lenders
Frequently Asked Questions
Do I need life insurance?
If you weren’t here tomorrow, how would your family pay the mortgage, household bills, or everyday living costs?
Life insurance isn’t a legal requirement, but it’s often recommended if you have dependants or financial commitments. It provides a tax-free lump sum to your loved ones, helping them maintain financial stability and protect their home.
What’s the difference between life insurance and critical illness cover?
Life insurance pays out if you pass away during the policy term.
Critical illness cover pays a lump sum if you’re diagnosed with one of the serious illnesses listed in the policy.
Many people choose both so they’re protected if they pass away or if they survive a serious illness but cannot work.
How much cover do I need?
Would your family be able to cope financially?
The right level of cover depends on your income, outgoings, debts, dependants, and future plans. We’ll help you calculate a level of protection that safeguards your lifestyle without paying for more than you need.
What is income protection and how does it work?
If illness or injury meant you couldn’t work, how would you pay your bills?
Income protection provides a regular monthly payment to help cover everyday living costs while you’re unable to work. It continues until you return to work or reach the end of the policy term, depending on the policy chosen.
Is protection expensive?
Protection is often more affordable than people expect.
Premiums vary based on age, health, occupation, and level of cover. We compare policies across the market to find suitable options that fit your budget and priorities.
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Thank you for choosing us. Whether you need help with mortgages or protection, we’re always here to assist you.
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31 Butcher Street, Strabane, Co Tyrone, Northern Ireland, BT82 8BJ
Legal
Legal
Tracey Harte trading as Harte Mortgage and Protection is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let. The guidance and/or advice contained within this page is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE Harte Mortgage and Protection normally charge a broker fee for mortgages, should a fee be charged this will typically be £350. The exact amount will depend on your circumstances. The fee is payable on receipt of your mortgage offer. You will not receive a refund if your mortgage or loan does not go ahead.