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Covering Aberdeen & Surrounding Areas

Personal Protection in Aberdeen & Surrounding areas.

Protect you and your family with our personal protection services. Covering Aberdeen and Surrounding areas , we specialise in providing customers with an extensive range of life insurance policies and estate planning services.

Life Insurance

Life insurance is a great way to help protect your family from the financial worries they could face if you were no longer around. It could help with household bills, childcare costs, or covering mortgage payments.

Mortgage Protection

This is a type of decreasing life insurance that should pay off a capital and interest mortgage within the term of the mortgage on death. These plans can be taken out as a joint policy or as a single plan.


Level Term Assurance

This policy is designed to ensure the amount of cover does not reduce and could be used to protect your family on death if you had an interest-only mortgage. Some people will use this type of policy to give their family some financial security on a repayment mortgage, as their intention would be as the mortgage balance reduces there would be money left over to protect the family financially during a difficult time. This again would only pay out on death during the term of a policy.

Happy Family

Family Incoming Benefit

This benefit is designed to pay out a monthly benefit when the person dies or is diagnosed with a terminal illness, during the term of the cover. Family income benefit will be used to help provide financial protection for the family of the person covered. These plans can also be taken out on a joint or single basis.

Critical Illness

Critical illness cover will pay out if you are diagnosed with a critical illness during the policy term. Critical illness cover is often available as an add-on with a life insurance policy. In these instances, you will only claim once, (combined policy) meaning your life insurance cover would end. These plans can also be taken out on a joint or single basis.

Income Protection

This is an insurance policy that pays out if you are unable to work due to injury or illness. The amount of income you are allowed to claim will not replace the exact amount of money you were earning before you had to stop working. You will expect to receive about 70% of your earnings before tax from your normal job. This is because some money will be taken off for the state benefits you claim, and also the income you get from the policy is tax-free.

Unemployment Cover

This is a short-term income protection policy providing cover up to 12 months should you be unable to work due to involuntary redundancy. Some policies are able to provide longer cover.

Personal Accident Cover

Accident protection is a multi-claim, multi-layer benefit specifically designed to complement other protection plans by filling the gaps. Acceptance is guaranteed for most occupations between the ages of 18 -59. The cover ends when you're 65. There are no health or medical questions. From £7 a month this cover includes UK hospitalisation cover, funeral benefit, and immediate cover for most occupations.



Fees and charges vary depending on the services we provide. Typical fee for mortgage advice is £500.

WPJ Mortgages & Financial Services is a trading style of William Jeffrey, who is an appointed representative of The Right Mortgage Limited,

which is authorised and regulated by the Financial Conduct Authority.

Contact us to find out more about personal protection and life insurance

in Aberdeen & Surrounding Areas.

01224 279672 or 07889 692222