You Can’t Eat a House – Why Family Cover Is Essential If You Have Kids
We hear it all the time:
“We have mortgage protection – we’re grand, aren’t we?”
And yes, it’s great that your mortgage would be cleared if one of you passes away. It means your family won’t be left with a massive debt hanging over their heads at the worst possible time. That’s a good starting point.
But here’s the truth we don’t sugarcoat:
Mortgage protection pays off your house. That’s it.
🛑No extra money for groceries
🛑No money for schoolbooks.
🛑No support for bills, sports, childcare, uniforms, or anything else your kids need
If your partner or your kids were relying on you – your income, your care, your contribution to the household – and something happened to you, would the mortgage being cleared really be enough?
Let’s break it down:
🛡 What’s actually protecting your family?
A Family Protection Plan is the bigger picture. It’s not just about clearing the mortgage. It’s about keeping life going:
✅ Income protection – so if you’re too sick to work, your income is replaced
✅ Life cover – so your partner can keep the show on the road if the worst happens
✅ Serious illness cover – so you have breathing room if you’re diagnosed with something big
🎯 Why is this so important when you have kids?
Because you are their safety net.
Kids don’t understand budgets or policies – they just know if mam or dad is gone, or too sick to work, life suddenly feels very uncertain.
Mortgage protection won’t cover the things your children rely on every day – food on the table, petrol in the car, school trips, birthdays, sports fees.
And let’s be honest:
You can’t eat a house.
💡 How much does family cover cost?
A tiny fraction of your income.
Usually less than what you spend on takeaways or your phone bill every month. But the peace of mind? That’s priceless.
And it’s flexible. We can scale it up or down to suit your situation and budget.
❤️ Final word
If you’ve got kids, you’ve already done the hard part – you show up every day, you work, you care, you provide.
But please, don’t stop at mortgage protection and think the job is done.
Your family deserves full protection – not just a paid-off roof over their heads.
Let’s make sure that if life throws something at you, your family stays standing.
Covered. Safe. Supported.
👉 Ready to get set up?
Drop us a message on what’s app or book a quick call — we’ll sort it, no fuss, no jargon.
You take care of them every day. Let’s make sure that doesn’t stop if the unexpected happens.
