The one thing we know for sure is it is impossible to predict what is going to happen in the future. You should always consider how you are going to protect yourself and your loved ones in the event of a serious illness or death of you or your partner.

We will look at your financial circumstances and those of your dependents and recommend how best to protect yourself and your loved ones.

A policy which provides a lump sum and may be tailored to match outstanding financial commitments such as mortgages.

The policy is usually taken out with capital repayment mortgages and reduces in line with the mortgage over the same term ensuring that the outstanding mortgage can be repaid in full on death or diagnosis of a critical illness.

This policy is designed to protect you against loss of income due to illness or accident. Income Protection will pay you a regular income whether you’re employed or self employed.

In these circumstances, this form of insurance can help to maintain lifestyle costs and financial commitments.

A fixed lump sum insurance that remains at the required level until the term expires; the cover amount will not reduce during the term.

This policy is usually recommended to protect financial needs where the cost does not reduce. It can be used to protect a variety of needs – such as:

  • Interest only mortgages
  • Rent payments
  • Educational costs
  • Household bills
  • Lifestyle costs
This is a policy that provides cover for a fixed period, but which can be extended when that period comes to an end without you having to undergo further medical checks.

The premiums may increase based on your age at this point. However, if you have suffered any health problems since the original policy was taken out, these will not be taken into account or reflected in the new cost of the policy.

Family income benefit insurance is a type of term life insurance that will give regular financial support to your family if you die or are diagnosed with a terminal illness.

This policy helps you ensure there is an on-going income for your family. With monthly pay outs, it can help cover the cost of bills, making budgeting more manageable for those left behind. There is no cash-in value, so if you stop making payments your cover will end.

This insurance policy helps to protect you if you become seriously ill during the policy term*. It provides you with a lump sum that you can use at your discretion – whether that’s to help cover health-related costs, monthly expenses, or lost income while you recover.

Being diagnosed with a serious illness can lead to financial strain for those affected as well as their loved ones and this form of cover can help to relieve some of that strain.

*Please note that critical illness policies may not cover all definitions of a critical illness and will vary by policy.  Please refer to the Key Features and Policy Documents for definitions of illnesses covered.

Please note that, unless specified otherwise, the above plans are sold as insurance policies only with no cash in value at any time and will cease after a claim or at the end of the term. The cover will lapse if premiums are not maintained.


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