Protection
We offer a range of protection products for all situations, from which you can choose when building your protection plan. Please ask an adviser for more information on any of the products below.
Life Assurance
Life Cover pays a lump sum cash payment if you die or are diagnosed with a terminal illness. (With a life expectancy of less than 12 months.)
Life Assurance is usually linked to your mortgage so in the event of the worst, your mortgage will be paid off.
Whole of Life
Whole of Life Cover is life cover that lasts for as long as you need it, so you can be reassured that no matter what happens in your life, you’ll be covered.
There’s no maximum term for Whole of Life Cover – it pays out a lump sum whenever you die. So, you can be sure you’ll leave something behind for your loved ones.
It can be used as a gift, help with Inheritance Tax and help to pay bills.
Serious Illness Cover
Serious Illness Cover pays out a tax-free lump sum if you are diagnosed with a serious illness or permanent disability that's specified in our Protection Plan Provisions.
Private Health Insurance
Private Health insurance is designed to ensure that if you need medical treatment in future, you won’t need to worry about NHS waiting lists or paying for the cost of the treatment.
It’s designed to get you diagnosed and treated quickly, and will offer you a prompt referal to a consultant and admission to a private hospital at a time and place that is convenient for you.
Income Protection
Income protection insurance will provide you with a monthly tax-free income if you are unable to work due to illness, injury or disability.
It can help to pay for bills, mortgage or help with medical costs as you recover.
Education Cover
Education Cover – Is designed to make sure that your children don’t have to miss out on any part of school life, even if something happens to you.
If you die, education cover will pay a range of benefits for each child on your plan to help cover the costs of their education. You can even choose cover that will pay if you become seriously ill.