Protection​

When it comes to protection, our focus is on making sure your family’s safety and well-being are as secure as a warm hug. Just like we’d do for our own loved ones, we understand the significance of looking out for you.

There are many ways when considering protection for your investment and for your family, and it can be confusing. It’s always worth speaking with a specialist/broker who will be able to guide you through the policies and find the right cover for you and your family.

Life Insurance

Life Insurance gives you the comfort of knowing that your loved ones will be provided for should the worst happen. There are different types of Life Insurance – the most appropriate type for you will depend on your circumstances.

Critical illness cover, also known as critical illness insurance, is a long-term insurance policy that covers serious illnesses listed within a policy. If you get one of these illnesses, a critical illness policy will pay out a tax-free, one-off payment.
This list will vary depending on the insurer, as will the exclusions for making a claim.

Income Protection Insurance pays out a regular tax-free income if you become unable to work because of an accident or sickness.
It could help you keep up with your mortgage repayments and other living costs until you’re able to return to work.

Accident Protection is specifically designed to give you financial protection by providing a cash lump sum if you were to suffer from a specified accidental injury. Additional benefits can be included and tailored depending on your circumstances.

family protection
Protection plans (with no investment element) will have no cash in value at any time. If premiums are not maintained, then cover will lapse