Renters: Don’t Assume You’re Safe – Protect What Matters Most
Mum? Dad? Partner? Someone you love?
You’d do anything for them, right?
Then do this first — protect what really matters.
Losing a loved one is devastating. But losing them and the family home, along with the stability they provided? That’s a whole different level of pain.
Of course, none of us want to imagine getting seriously ill or worse — but it happens. Every day. To ordinary people. Just like you.
“I rent, so I don’t need to worry… right?”
Not exactly.
Even if you don’t own your home, have you thought about how you’d pay the rent and bills if you were too unwell to work? Illness and injury don’t discriminate. They can affect anyone, at any time — and often do.
Millions of people worldwide are signed off work due to illness or injury for weeks, months — sometimes permanently. So ask yourself: could you keep a roof over your head if your income suddenly stopped?
The Myth: Homeowners need cover, renters don’t
It’s common to think of protection as something only homeowners need. After all, most people take out life insurance or income protection when they buy a property.
But renters face just as much risk — and often with fewer safety nets.
If you’re a homeowner, you might be able to negotiate reduced payments with your lender in tough times. But if you rent, and can’t pay? You could be out. Landlords aren’t obliged to show the same flexibility.
That’s why protection matters — for everyone, not just homeowners.
💡 Income Protection can replace a chunk of your income if you’re too unwell to work.
💡 Critical Illness Cover pays a lump sum if you’re diagnosed with a serious condition.
💡 Life Insurance provides a payout if the worst happens — helping your loved ones stay afloat.
Three Hard Truths:
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Many households would struggle financially if one income disappeared.
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People underestimate the financial hit that comes with a cancer diagnosis, or a long-term illness.
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Rent still needs paying — no matter how unwell you are.
So if you rent and haven’t looked at protection yet — it’s time.
The right cover can be affordable and life-changing if something goes wrong. And the peace of mind it gives? Priceless.
If you’re unsure what you need or where to start, let’s have a chat. I can walk you through your options and help you protect the things — and people — that matter most.
There is Help for all you Renters – and we are offering you an initial consultation for free!
Scary doesn’t even come close to how concerning all of this is. Renters could lose their homes and families could be financially crippled because they either don’t have cover in place or are completely unaware of the risks they are facing when renting.
Justin and his team at JF Financial Associates are passionate about offering honest advice to everyone (just check our review!). We are also desperately trying to bridge this gap of lack of advice for people who rent.
We are so passionate that we are offering consultations to any renter. (*we don’t charge you a broker fee for insurance advice, because the insurance companies pay us for offering the advice)
Get started
Find the right insurance. It’s quick and easy, and means your family is protected financially if anything happened to you.
One tiny form, a quick chinwag with one of our brokers and we will take care of the rest.
It could be the most important two minutes you have ever spent.
Frequently Asked Questions
It’s fee free to use us to find life insurance – you’ll never be charged for quotes.
We like a challenge, so tell us if you’ve found a quote elsewhere and we’ll eat some kind of hat if we can’t beat it.
“Erm. Yes?” We will happily provide you with claim statistics from our providers if you like. You might be surprised to see how high the claims pay-outs are especially for things like critical illness and income protection!
We’ve all told the odd porkie, but when it comes to insurance you need to tell us the truth, the whole truth and nothing but… PLEASE! Had a cheeky cig down the pub or at the party? Tell us. The only time insurance doesn’t pay out is when you’re not 100% open and honest during your application.
When you start a policy with one of our insurance providers, they give us a commission for placing the policy with them, hence no charge to you for our advice. All our providers pay us the same amount, so we always choose the right policy for you, not what pays us the most commission. Oh, and our compliance would pull us over the coals if we we’re not 100% honest and transparent!
But don’t just take our word for it. They are all pre-vetted by our network who have stringent standards. They must have the best policy definitions, best price, be financially stable and have the best claims statistics. If they don’t meet the grade, they don’t get considered. So, all the providers we use are the top in the industry.
We all know that smoking is bad for our health, and sadly it’s a contributor to disease and death in many people. We need to know if you smoke because it increases your risk of death. This does mean your premiums are likely to be higher. Saying this, PLEASE be honest with us – if you tell us porkies, your insurance may be invalid and may not pay out on a claim. Instead let us review your plans every year and once you are a non-smoker for 12 months or more, we can see if we can get a new plan for you on cheaper non-smoker rates?
There are a couple reasons you need to speak to someone on the phone.
First – unlike car or bike insurance where there could be a few thousand quid at stake – with life insurance we’re regularly talking about tens of thousands and in some case hundreds of thousands of pounds. For that reason, life insurance companies like to have a recorded conversation to make sure you are who you say you are should there be any disputes if a claim arises.
Secondly, everyone is an individual. We firmly believe that by speaking to real human (aka one of our consultants), we can ensure that we fully understand your specific circumstances and can therefore offer you tailored advice and exactly the right cover for you and your family.
Why not join the renters who DO have some sort of cover in place and can sleep soundly at night!
Or alternatively fill in the form below to send an enquiry now