Military Life Insurance and Home Protection

Specialist Advice for Serving Armed Forces Personnel – Based in Swindon and Nationwide

At Mather & Murray Financial, we understand that life in the Armed Forces comes with unique risks and responsibilities — and your insurance needs are very different from those of a civilian. That’s why we offer tailored financial advice and protection policies specifically for military personnel, both serving and retired.

Our experienced advisers are based at our Swindon head office, or can meet you at home or at your barracks. Wherever you are stationed in the UK, we’re here to help you find the right cover and peace of mind.

Life Cover and Critical Illness for Armed Forces

If you're in the Army, Navy, RAF or Royal Marines, standard life insurance and serious illness cover may not meet your needs. Many insurance companies either increase premiums for military personnel or exclude war zones and active duties — meaning you could be left exposed when it matters most.

Our advisers understand these limitations and work only with insurers who:

Do not penalise you for your profession
Do not apply war zone exclusions
Offer policies that provide genuine peace of mind

We’ll assess your circumstances, looking at:

Current income and allowances
Mortgages or other debts
Household expenses
Dependents and childcare costs

From there, we’ll recommend the most appropriate life and serious illness cover that’s fit for purpose and fully explained.

Why Military Personnel Need Specialist Advice

Standard comparison sites and high street insurers often don’t account for the realities of military life. That’s why it’s vital to speak to a specialist who understands the challenges of:

Deployments
Overseas postings
Changes in rank or role
Licence to Occupy liabilities

Whether you're looking to protect your family's financial future or simply want reassurance that your cover is comprehensive, we’re here to support you.

Kit and Contents Insurance for the Armed Forces

Serving members of the Armed Forces are responsible for a wide range of kit and equipment, often issued temporarily or permanently. We can help you insure:

Military kit (both personal and issued)
Your liability under Licence to Occupy
Your home contents — even when you’re deployed

Our specialist policies are designed with military life in mind.

What’s Covered?

Military Kit Cover

Covers loss, damage or theft of your issued equipment.

Licence to Occupy

Covers you if you’re liable for accidental damage to service accommodation (Mess, Block or Married Quarters).

Personal Possessions – Worldwide Cover

Includes protection for:

Jewellery, medals, watches and valuables
Phones, laptops, tablets and bicycles
Cash, bank cards and credit card liability
Cameras and personal electronics

Home Contents Insurance

Full cover for the contents of your home, with accidental damage included as standard.

Protection against:

Fire, flood, theft and subsidence
Escape of water (e.g. burst pipes or tanks)
Storm, riot, and malicious damage
Garden contents including furniture and plants
Contents in transit (removals or storage)
Emergency access damage and student belongings

Speak to a Specialist Today

We’re proud to support those who serve. Whether you’re based in Swindon, Salisbury Plain, Aldershot, Catterick or anywhere across the UK, our military protection advisers are here to help.

Book an appointment to get: