Income protection advice

Our offerings include:

Life Insurance

Our life insurance policies ensure that your loved ones are financially supported in your absence. By providing a lump sum payment upon your passing, life insurance can cover outstanding debts, funeral costs, and ongoing living expenses, allowing your family to maintain their standard of living during a difficult period.

Critical Illness Cover

Critical illness cover offers vital financial protection if you are diagnosed with a serious illness, such as cancer, heart attack, or stroke. This policy provides a one-time lump sum payment, allowing you to focus on recovery without the added stress of financial burdens, such as medical bills or loss of income during your treatment.

Income Protection

Income protection insurance safeguards your income against unforeseen circumstances that may affect your ability to work, such as illness or injury. This coverage ensures that you receive a percentage of your salary for a specified period, helping you manage essential expenses and maintain your family's financial stability during your recovery.

Whole of Life Insurance

Whole of life insurance is a comprehensive policy that provides lifelong coverage for you and your family. Unlike term insurance, which only pays out during a specified period, whole of life insurance guarantees a payout upon your death, regardless of when it occurs, ensuring that your loved ones have financial support when they need it most.

Our independent advisors are here to assess your specific needs and recommend the most suitable options to protect your family's financial future.

Regulatory:

Cover will cease on insurance products if premium payments are not maintained.

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.

The definitions vary between product providers, and will be described in the key features and policy document, if you go ahead with the plan.