Why Protection Matters

Life Insurance

Life insurance provides a tax-free lump sum to your loved ones if you pass away during the policy term. It can offer vital financial security at a difficult time, helping your family:

• Clear the mortgage or other outstanding debts
• Maintain their standard of living
• Cover funeral and final expenses
• Support children's education or future plans

Income Protection

Income protection replaces a portion of your income if you're unable to work due to illness or injury. It's designed to keep your essential finances on track while you focus on recovery, offering:

• Regular monthly payments while you're signed off work
• Cover for both physical and mental health conditions
• A stable income until you can return to work or reach the policy end date
• Tax-free benefits in most cases

Critical Illness Cover

Critical illness cover pays a tax-free lump sum if you're diagnosed with a serious medical condition listed in your policy, such as:

• Cancer, heart attack or stroke
• Parkinson's disease or multiple sclerosis
• Major organ failure or transplant
• A wide range of other life-changing conditions

This payment can help with treatment costs, lifestyle adjustments, lost income, or simply give you breathing space during a challenging time.

Mortgage & Family Cover

Tailored options for family and home protection

Mortgage & Family Cover is designed to help safeguard your loved ones and your home if the unexpected happens. It can provide a financial payout should you pass away or be diagnosed with a qualifying serious illness during the policy term.

This cover can support your family by helping:

• Repay or reduce your mortgage
• Replace lost income
• Cover everyday living costs
• Maintain financial stability at a difficult time

Plans can be personalised to suit your needs, with options such as level cover, decreasing mortgage protection, or family income benefit.