Life is unpredictable, but your financial security doesn’t have to be. We help you put the right protection in place so you and your loved ones are supported if life takes an unexpected turn.
Whether it’s a requirement for your mortgage, or simply peace of mind for your family, having the right cover means you won’t be left vulnerable when it matters most. We guide you through your options and help you choose cover that suits your needs and budget.
If you have dependents, life cover is essential. It pays a lump sum to your loved ones if you pass away—helping them manage financially at a difficult time.
Term Assurance: Fixed-term cover, often used to protect a mortgage or provide income over a set period.
Whole of Life: Lifelong cover that guarantees a payout, typically used for legacy or estate planning.
What if you couldn’t work due to a serious illness? This cover pays a lump sum on diagnosis of certain medical conditions, helping you cover treatment costs, household bills, or adapt your home.
Can be taken on its own or as part of a broader protection plan
Definitions vary by provider, so expert advice matters
When your health can’t wait, Private Medical Insurance gives you quicker access to diagnosis and treatment—often in a more comfortable setting.
Covers private hospital stays, consultations, scans and surgery
Options for individuals, couples or families
Helps avoid long NHS waiting times
If you’re unable to work due to illness or injury, income protection can provide a regular tax-free income, helping you maintain your lifestyle while you recover.
Usually covers up to 50–60% of your income
Cost depends on your occupation, health, and retirement age
If you’re a business owner, protecting the key people and finances behind your company is just as important as personal cover. Business protection ensures your company can continue in the face of the unexpected.
Key Person Cover: Protects against the loss of a vital employee
Shareholder or Partnership Protection: Ensures control stays with the right people
Business Loan Protection: Covers outstanding debts in the event of death or illness
We’ll help you weigh up the options, compare providers, and put a plan in place that suits your priorities—whether that’s mortgage protection, family support, or covering long-term health needs.
You can’t predict the future—but you can prepare for it.
Let’s talk about how to protect the people and things you care about most.
Life Assurance (Or These) plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse.
Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described within the Key Features and policy documentation if you proceed with the plan.
Income Protection policies typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse. The payment of any benefits may affect any claim to means tested state benefits. Not all illnesses are included, full details will be incorporated within the Policy Summary.