Protection

Death is something we never want to think about however it is very important to make sure you have provisions in place to help your loved ones cope financially if the worst happened.

How would your family cope if they didn't have your income?

A little forward planning now could help you or your family at a time when financial worries should be the last thing on your minds.

Life Cover

Life assurance can help your loved ones by paying a lump sum on the event of your death. Funeral expenses alone can cause added heartache at the worst possible time.

A lump sum at this time would help secure your loved ones financial future.

Life assurance can also be used for inheritance tax planning.

Critical Illness

This would provide a lump sum payment to assist with the difficult times you would experience should you be diagnosed with one of a number of specified critical illnesses.  It could be used towards paying off your mortgage and protect the long-term financial security of your family. 

Income Protection

If you aren't able to work due to an an illness or disability this protection would provide you with a monthly sum.  Bills still have to be paid when you are ill and this protection can help make sure you can continue paying the mortgage and household expenses.

Mortgage Protection

Should you die, become critically ill or if you have a specific operation during the term of the plan it would pay out a cash sum which could be used towards paying off the mortgage. The cover decreases on a monthly basis and reaches zero by the end of the term.