Protection Insurance Explained

Pays a lump sum to your loved ones if you die during the policy term. Helps cover mortgages, debts, living costs and provides financial security for your family.

Replaces a portion of your earnings if you can't work due to illness or injury. Pays a regular monthly income until you recover, retire, or the policy ends.

Pays a lump sum if you're diagnosed with a serious illness like cancer, heart attack or stroke. Helps cover treatment costs, lifestyle adjustments or mortgage repayments.

Tax-efficient life insurance for company directors and employees, paid by the business. Provides death-in-service benefit without affecting personal allowances or corporation tax relief.

Life insurance designed to repay your mortgage if you die. Can be decreasing term (reduces with mortgage) or level term cover depending on your mortgage type.

Combines life insurance, income protection and critical illness to provide comprehensive protection for your family. Covers death, serious illness and inability to work.

Protection insurance tailored for sole traders, freelancers and contractors. Covers income loss, critical illness and death — essential when you have no employer safety net.

Cover for business owners including relevant life, key person insurance and shareholder protection. Protects your business from financial impact if a key person dies or becomes seriously ill.

Life insurance for people aged 50-85, often with guaranteed acceptance. Covers funeral costs and leaves a cash sum for loved ones, with fixed premiums and no medical questions.