Life insurance
A lump sum or regular benefit designed to support the people you leave behind if you die during the policy term.
Protection
Protect the people, income and plans behind the mortgage.
Protection is personal. We will look at what could happen, what support you already have and which risks matter most within your budget.
Book an initial callYour protection options
Cover should answer a real need.
Important
Policies have definitions, exclusions, waiting or deferred periods, benefit limits and eligibility requirements. Cover starts only when accepted and placed on risk. Full terms must be checked before you apply.
Critical illness cover
A benefit if you are diagnosed with a specified serious illness and meet the policy definition.
Income protection
A regular benefit if illness or injury prevents you from working, subject to the policy terms and deferred period.
Redundancy insurance
Short-term income support following qualifying involuntary redundancy, subject to eligibility, waiting periods and exclusions.
Family income benefit
Regular payments for the remaining policy term rather than one large lump sum, if a valid claim is made.
Business protection
A conversation about cover for key people, shareholders or relevant business borrowing where appropriate.
Redundancy insurance
Short-term help after qualifying job loss.
Redundancy insurance may pay a monthly benefit for a limited period if you are made involuntarily redundant and meet the policy's claim definition. It is not the same as income protection, which normally concerns incapacity caused by illness or injury.
Common matters to check
- Whether your employment type and occupation are eligible
- Any initial exclusion period after taking out the policy
- The waiting period before benefits begin
- The maximum monthly benefit and claim duration
- Exclusions for known, expected, voluntary, seasonal or normal redundancy
Product wording differs by provider. A policy recommendation and its approved documentation will set out the exact terms.
Start with a conversation
Tell me what you are hoping to achieve.
No pressure and no unexplained jargon—just a clear first conversation about your position and the next sensible step.