Steve Reid-Protection Specialist

25/03/2026

25/03/2026

Running a business comes with enough challenges- unexpected risks shouldn’t be one of them.

🤝With the right insurance in place, you can protect your income, your team, and everything you’ve worked hard to build. From navigating the loss of a business partner to protecting what comes next, the right cover keeps your business moving forward.

At A&R Mortgage & Protection Specialists, we’re here to help you stay prepared for whatever comes next- so you can move forward with confidence.
👉 Get in touch today and make sure your business is properly protected.

14/02/2026

🏉 Six Nations ready- because life can tackle hard too.
At A & R Protection Specialists, we help protect you when life takes an unexpected hit. From fracture cover to income protection, we’re here to support your recovery and help keep things moving when you need it most.
✔ Fracture cover
✔ Income protection
✔ Recovery made easier

💬 If you’d like to learn more, we’re always happy to have a chat.

14/02/2026

🔁Your mortgage doesn’t stop if your income does.

✔ First-time buyers
✔ Remortgaging homeowners
✔ Mortgage + income protection linked properly

🏡 Protect your home. Protect your income. 💬 Send us a message to find out how.

14/02/2026

👉Accidents can happen at any time, and a fracture can bring unexpected costs and stress.
Fracture cover helps by:
✅Providing financial support for fracture-related treatment
✅Helping cover recovery and day-to-day expenses
✅Reducing financial pressure during time off work
✅Offering added peace of mind for you and your family
It’s a simple, affordable way to strengthen your protection- so you can focus on healing while we help take care of the rest💛.

14/02/2026

💌This Valentine’s Day is about more than flowers and cards
✔️It’s about looking after the people you love, today and in the future.
Income protection is one of those quiet acts of love.
If illness or injury means time away from work, it can help ease financial worries and protect the home and lifestyle your family relies on.
Because love isn’t just what we say… it’s how we care, plan, and protect the ones who matter most.
💗Protecting the people you love, always. Happy Valentine's day from A & R Protection Specialists.

30/01/2026

When it comes to life insurance, we don’t just set up your policy — we make sure it’s protected properly.

That’s why we put all life policies into trust. It means your payout goes directly to the people you choose, without delays, without extra paperwork, and without being counted as part of your estate for inheritance tax.

It’s a simple step that makes a huge difference when your loved ones need support the most. Putting your policy in trust isn’t just smart planning — it’s real peace of mind.

30/01/2026

Statutory Sick Pay vs Income Protection — the difference is bigger than you think.

Statutory Sick Pay (SSP) in the UK is just £118.75 per week— that’s around £16.96 per day. And it only lasts for up to 28 weeks. For most people, that barely covers the basics, let alone rent, mortgages, bills, or family life.

Income Protection, on the other hand, can replace a meaningful portion of your income for as long as your policy is designed to pay out — giving you stability, control, and real peace of mind.
If illness or injury stopped your income tomorrow, which safety net would you rather fall back on?

08/01/2026

Life can throw curveballs — your finances shouldn’t be one of them.

Having the right protection policies in place isn’t just about insurance; it’s about safeguarding your future. From covering unexpected illness to keeping the household running if income suddenly stops, protection can prevent debt, reduce stress, and give you real peace of mind. A small step today can make a huge difference when life gets unpredictable.

08/01/2026

💫 Following the reduction in the bank of England Base rate on 18th Dec, many high street lenders have continued to drop their rates, making it a great time to start looking at a new mortgage product

💡 If your mortgage is up for renewal within the next 6 months, now is the time to start looking.

✔️ Securing a lower interest rate could save you money over the course of your new mortgage product term.

🙋🏼‍♀️If you're thinking of borrowing more (maybe you've decided to complete those renovations or build that extension), you can do this by remortgaging or even applying for additional borrowing whilst staying in your current product.

08/01/2026

Life moves fast — your critical illness cover should keep up. Whether you’ve changed jobs, taken on a mortgage, started a family, or just haven’t checked your policy in years, a quick review can make all the difference. The right cover can protect your finances when you need it most, but outdated cover might leave gaps you didn’t expect. A simple review today could save a lot of stress tomorrow.