Protection is designed to protect what is important to you. We help you to protect against the financial impact of unforeseen circumstances such as death, critical illness, and loss of income due to long term illness or redundancy. We provide you with peace of mind, whether it be your life, health, family, income, or home. We will make sure you have the appropriate cover that fits with your current circumstances.
There are so many types of cover so it’s important to consider what’s right for you – the main five are:
Life insurance: Pays out a lump sum when you die so that your loved ones will not struggle financially in the event of your death.
Critical illness: Pays out a lump sum upon diagnosis of a specific illness, such as cancer, heart attack or stroke, during the term of the policy.
Income protection: Pays you a regular income if you are unable to work due to illness or injury, until you can return to work.
Family income benefit: Insurance that pays a tax-free income rather than a lump sum in the event of your death. This income is paid until the policy term finishes. Family life insurance often appeals to people who want their loved ones to have a regular income rather than a lump sum when they die.
Whole of Life: It is a life insurance policy that covers the policy holder for the remainder of their life, with no specified term.
THESE PLANS HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH THE PLAN.
We are here to answer all your questions, some examples below:
We also recommend reviewing your existing cover if you are:
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