Protect what matters most
Kulvir is a dedicated life and protection specialist at City Mortgage Solutions Group — helping families and business owners put the right cover in place, explained in plain English, with no jargon and no pressure.
A specialist, not a side-line
“Protection is the part of the plan people skip — until they need it. My job is to make it simple, affordable and right for your life, so it's there when it counts.”
Add Kulvir's background here — years advising on protection, the kinds of clients helped (young families, homebuyers, the self-employed, business owners), and the approach to finding cover that fits. Two or three sentences works well.
Cover for every stage of life
Whole-of-market protection advice, matched to your circumstances and budget — from a first family policy to protecting a business.
Life insurance
A lump sum or ongoing income for your family if the worst happens — so the mortgage is covered and they can carry on.
Critical illness cover
A tax-free payout on diagnosis of a serious illness, giving you space to recover without money worries.
Income protection
A regular replacement income if illness or injury stops you working — cover for the thing most people forget to insure: their salary.
Family & income benefit
Cover designed around children and dependants — a monthly benefit that keeps the household running until they're grown.
Business protection
Key-person cover, shareholder protection and relevant life plans to keep a business resilient if a key person is lost.
Policy reviews
Already covered? A free review checks you're not over-paying or under-protected, and that older policies still do the job.
The right cover, set up the right way
Protection looks simple until you read the small print. A specialist makes sure the policy actually pays out when it's needed.
- Whole-of-market — compared across leading insurers, not one provider
- Written in trust where appropriate — fast payout, outside your estate
- Honest about what you do — and don't — need to insure
- Support at claim time, when your family needs it most
- Free initial consultation, with any fees explained clearly upfront
Trusted by the families he protects
Placeholder reviews — swap in real Google / TCF reviews as they come in.
“Add a genuine client review here. Kulvir made protection feel simple and explained every option clearly.”
“Add a second review here. Mention the type of cover and, ideally, the local area for search.”
“Add a third review here. Short, specific and in the client's own words works best.”
Protection, answered
If anyone depends on your income — a partner, children, or a mortgage you couldn't cover alone — then cover is worth considering. Kulvir will help you work out how much you actually need, and what you don't.
Life cover pays out on death; critical illness pays out if you're diagnosed with a serious illness and survive. Many people combine the two so they're protected either way.
Often less than people expect — premiums depend on your age, health and the cover you choose. Because Kulvir searches the whole market, you get the right cover at a competitive price.
Employer cover is a good start but often modest, and it usually ends when the job does. A quick review shows whether you have a gap worth filling with your own policy.
A free, no-obligation protection review
Leave your details and Kulvir will call you back at a time that suits — to talk through what you have, what you need, and what it would cost.
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