Mortgage intermediaries already help clients navigate some of the most complex financial decisions of their lives. But what if insurance - an essential part of homeownership - could be offered in a way that felt natural, seamless, and value-led? 

That’s the promise of embedded insurance: integrating protection into the mortgage journey at just the right time, without friction, duplication, or extra admin. 

Put simply, embedded insurance is about offering cover as part of an existing customer journey - not as a separate sale.

The customer doesn’t have to go elsewhere - the adviser delivers a solution right when it’s needed.

Many intermediaries already ask about home insurance - but if the customer has to: 

• Visit another website,  

• Wait for a call,  

• Or re-enter their property details… 

…the risk of drop-off, leakage, or aggregator diversion is high. 

Embedded models remove these hurdles and allow the adviser to:

Uinsure’s embedded model is underpinned by a panel of insurers, not a single provider. This approach delivers key advantages for both advisers and clients:

Instead of pushing products, advisers become solution providers - seamlessly embedding essential cover into the mortgage process.

Customers - especially younger buyers - increasingly prefer “don’t make me think” experiences. They want: 

• Fewer steps  

• Less repetition 

• Immediate value 

They already trust their adviser to find the right mortgage. Offering home insurance as part of that trusted advice journey just makes sense. 

By embedding insurance: 

And importantly: advisers are seen as offering a complete service, not just a loan.