Karen D.
After her husband had a cancer scare, Karen realised they had no life insurance. Amazon Mortgages helped them get comprehensive cover alongside their remortgage — all fee-free.
"It took my husband's health scare to realise we had nothing in place. Amazon Mortgages sorted our life insurance alongside the remortgage — quickly, compassionately, and for free."
— Karen D., Cardiff
£180,000
Mortgage Protected
£100,000
Additional Cover
£42
Monthly Premium
£0
Advice Cost
The Situation
Karen and her husband had been paying their mortgage for 6 years but had never taken out life insurance. When her husband was referred for tests after finding a lump, they realised that if the worst happened, Karen would be left with a £180,000 mortgage and two children under 10.
The Challenge
The health scare was a wake-up call, but Karen wasn't sure if her husband would even qualify for life insurance given the ongoing investigation. She also worried about the cost of adding cover on top of their existing outgoings, and felt guilty for not having sorted it sooner.
How We Helped
Their Amazon Mortgages advisor reassured Karen that many insurers would consider the application depending on the test results. While waiting for the all-clear, the advisor prepared applications with multiple insurers. Once the tests came back clear, they secured a competitive decreasing term policy covering the full mortgage, plus a level term top-up to provide additional family protection. The advisor also arranged critical illness cover as a combined policy.
The Outcome
Karen and her husband now have full life insurance and critical illness cover protecting their £180,000 mortgage and providing an additional £100,000 for the family. The combined premium was just £42/month — far less than Karen expected. The advice was completely free.
Their Journey Timeline
Initial Call
Karen called feeling anxious. Her advisor listened and explained the options without pressure.
Pre-Application Prep
Applications prepared with multiple insurers while waiting for medical test results.
Medical All-Clear
Tests came back clear. Applications submitted immediately to lock in standard rates.
Policy Secured
Combined life and critical illness policy in place within 2 weeks of the all-clear.
Peace of Mind
Full cover in place — mortgage protected, family protected, zero fees paid.
"We should have done this years ago. It took a scare to make us act, but our Amazon Mortgages advisor made it painless. They were compassionate, knowledgeable, and found us cover we could afford. The fact that the advice was free made it even better. We now have complete peace of mind — whatever happens, our children and our home are protected."
Karen D. — Cardiff
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