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Insurance & Protection
Life is unpredictable, but the right insurance cover means you and your family can have peace of mind. We offer a range of protection products tailored to your needs.
Life Insurance
Life insurance is the foundation of financial security. It ensures that your loved ones or liabilities (such as mortgages and loans) are covered in the event of your death.
Level Term Cover
Fixed payout amount for the duration of the policy.
Decreasing Term Cover
Designed to reduce in line with your mortgage balance.
Single or Joint Policies
Cover just yourself or both partners.
Life insurance policies are flexible, running from 5 to 40 years, with cover possible up to your 90th birthday. Costs depend on your age, health, smoking status, cover amount, and policy type.
Critical & Serious Illness Insurance
Traditional critical illness cover often only pays when a condition reaches a severe stage. Our serious illness cover is more flexible:
Partial payouts are available depending on the severity of the condition.
Cover continues after a partial payout, so you can claim again if your health worsens.
A wider range of conditions covered compared to standard policies.
This means you’re far more likely to receive financial support with us than with many typical policies.
Income Protection Insurance
How would you pay your bills if you were unable to work due to illness or injury?
Income protection provides a regular, tax-free income if you are signed off long-term. You can choose a cover that protects:
Between 55% – 70% of your gross salary
Short-term or until retirement
Reduced earnings if you return to work in a limited capacity
This is one of the most important types of protection since the likelihood of losing income through sickness or injury is statistically higher than death or critical illness.
Whole of Life Cover
Key Features & Benefits
Traditional critical illness cover often only pays when a condition reaches a severe stage. Our serious illness cover is more flexible:
Lifetime Protection
Pays out whenever death occurs, as long as premiums are maintained.
Guaranteed Payout
Lump sum for family security, debts/mortgage, inheritance planning, or funeral costs.
Premium Options
Fixed for life or reviewable (may increase over time).
Optional Add-ons
Critical Illness, Accidental Death, Terminal Illness cover (varies by provider).
Estate Planning
Helps cover inheritance tax or leave a legacy.
Funeral Cover
Ensures funeral costs are taken care of.
Private Medical Insurance
Key Features & Benefits
What it is
Covers private healthcare costs; works alongside the NHS.
Faster Access
Shorter waiting times for tests, consultations, and treatment.
Choice & Flexibility
Pick your own specialists and private hospitals.
Better Facilities
Private rooms, flexible visiting, higher comfort.
Wider Treatments
Access to drugs/treatments not always on the NHS.
Convenience
Flexible appointments to suit work/family life.
Mental Health Support
Quicker access to counselling and therapy. Extra Services (varies): Virtual GP, health checks, physiotherapy.
Peace of Mind
Reduces stress knowing care is prompt and reliable.