Helping to protect your dependants in unexpected circumstances, should the worst happen

Peace of mind for all eventualities

None of us likes to think about serious illness or our mortality, but the financial consequences of not preparing for all eventualities can be severe. Being diagnosed with an illness can cause a lot of anxiety - even if it’s at an early stage or of a less severe form.

You may have to take time off work for treatment, which can cause stress and financial worries. That’s where protection policies can help.

From income protection, critical illness and life insurance, we can help.

We will ensure you have access to the products that suit you best, at a price that matches your budget and tailored to your specific requirements.


Income protection / critical illness

If you got sick or injured, how would you pay your mortgage or rent as you recover?

Many companies offer sick pay, but these will often only last for a short period at full pay. Given the low level of state benefits available, you may struggle to meet your everyday financial commitments if you are unable to work for a period of time.

Covering your monthly income with income protection

Income protection pays you a monthly income until you’re well enough to go back to work, which can be used to help pay your bills, your mortgage or even medical costs. There are different types of income protection policies available, and our experts can guide you through your options.

Lump sum payment on diagnosis of critical illness

People say that after diagnosis of a critical illness, money worries are their biggest concern. Critical illness policies pay out a lump sum on diagnosis of a serious illness and could help to minimise the financial impact on you and your loved ones, giving you and your family some peace of mind when you need it most.

Read more

Life insurance

It's only natural to worry about what would happen to your partner or your family if you weren't around anymore. With life insurance you can take steps to make things easier for them if the worst ever did happen.

Protecting your dependants

Life insurance is designed to pay out a tax-free lump sum if you die. This could be used by your dependants to help pay off an outstanding mortgage, cover any unpaid bills, or pay for your children's future education.

There are two main types of life insurance policy on the market: decreasing life cover that is designed to cover the reducing amount you owe on a mortgage, and level life cover that pays a fixed amount. Our experts can work with you to understand your needs and recommend the most suitable product for you.

Read more

What our clients have to say