Family Protection - Protect the things that are important :
“Your family, your health and your lifestyle”

Level Term Assurance

The aim of life protection (or life assurance) is to protect you against the unexpected.  It will provide money for people who financially depend on you.  We need to consider the impact and consequences our death would have on the people most close to us.

Term assurance provides a lump-sum if you pass away during the 'term' of your policy.  The sum you receive is fixed from the start of the term until the end.

Decreasing Term Assurance

Decreasing Term Assurance policies are usually set up to run in tandem with a mortgage or other secured loan.  Unlike Level Term Assurance where the cover amount (sum assured) remains the same throughout the lifetime of the policy, the sum assured via a Decreasing Term Assurance policy reduces over the lifetime of the policy.  Therefore as the amount you owe decreases, so does the the amount (sum assured) provided by the policy.  Although the payments (premiums) you make will usually stay the same over the term of the policy, how much you pay each month is typically less than you would pay for a Level Term Assurance policy. 

Family Income Benefit

These policies are intended to meet the needs of parents with (or planning to have) children to offer protection in the event of their death(s). They provide an income payable from the date of death until a fixed time in the future (e.g. the youngest child's 18th or 21st birthday).

Whole of Life Assurance

These are policies that provide life assurance for the whole of your life (as opposed to Term policies that could last for any number of years. For example a Term policy could last 5, 10 or 25 years then end).  Whole of Life guarantees to pay out in the event of death, whenever it occurs, generally as long as the premiums are paid.  Depending on the provider and the terms of the policy, the premium you pay may also include an investment element which helps to pay for the cost of cover over time.

Whole of life policies can also be an effective solution for inheritance tax planning, and / or, leaving a sum of money for your loved ones to give you the send off they would like to honour you with when you are gone.

Critical Illness Cover

For many the financial risks of a serious illness or injury are more important than death, as it may lead to loss of work, treatment and additional care costs etc...  A critical illness policy will make a lump sum payment on diagnosis of a defined “critical” illnesses, serious conditions or injuries.  The covered conditions, and level of payment, vary greatly from policy to policy so it is vital to receive the appropriate advice in order that you have a policy that meets your needs rather than simply choosing the cheapest.

Income Protection

Income Protection Insurance is designed to pay a regular tax free monthly income if you are unable to work due to illness or injury.

We are completely independent and have access to the full range of available products and providers, ensuring we can appropriately advise you on the most suitable solution to your own personal needs.