Protection

Covers you against: Death or terminal illness.

Benefit paid: Lump sum.

Critical illness insurance provides you with a tax-free cash sum in the event you are diagnosed with one of a list of common defined critical illnesses. The cash sum you receive can be used however you like but is designed to take the financial burden off you during a difficult period in your life. Critical illness, like life insurance, can be a fixed lump sum or can decrease in line with your mortgage.

Benefits can include: Free critical illness cover for your children.

Covers you against: Death or terminal illness.

Benefit paid: Lump sum.

In the event of an accident or sickness income protection insurance pays out a monthly income to cover a proportion of your salary. You decide at the outset how many months before the policy will pay out (the deferment period) and how long it will continue to pay (the benefit period). This can be until you are either well enough to return to work, you reach retirement age or the policy term ends. Income protection insurance provides you with the peace of mind of a regular on-going income that can help you maintain your lifestyle should you fall ill or have an accident and are unable to work.

Covers you against: Death or critical or terminal illness.

Type of benefit paid: Regular income

Family Income Benefit pays out in the event of death, but instead of a one-off lump sum of cash, it pays a regular, tax-free income until the end of the policy term. This can be a suitable option for people who would rather that their dependents receive a regular income, rather than a one-off lump sum.

Benefits can include: Hospitalisation benefit which pays out a lump sum payout if you are in hospital for a minimum of 28 consecutive days following an accident.

The level of protection you need will depend on your individual circumstances. Whether you are single or married, have children or grandchildren, you’re working or retired - everyone's needs are different. We will work with you to establish what the right level of cover is for you to ensure you are fully protected.