Let's protect your income
Protection plans provide a financial safety net for you and your loved ones in the event of unemployment, critical illness or death.
Life assurance
Pays either a tax free lump sum or income in the event of death.
It can be used to ensure that those left behind have sufficient capital for such as repaying a mortgage/loan, maintaining their current standard of living, paying school/university fees, paying an inheritance tax liability and replacing maintenance payments.
Critical illness cover
Pays out a tax free lump sum in the event of suffering certain critical illnesses.
It can be used to ensure that you have sufficient capital so you can concentrate on your treatment and recovery, rather than having additional stress and worry about meeting continuing financial commitments such as a mortgage/loan, day-to-day living costs and paying school/university fees.
Income protection
Pays a replacement monthly income in the event you are unable to work due to ill health and/or disability up until your proposed retirement age if required.
We can also arrange protection for those who are not in paid employment but are raising a family, to assist with costs such as childcare if you are unable to do this due to accident and/or sickness.
Accident sickness unemployment (ASU) cover
Pays a replacement monthly income in the event you are unable to work due to accident, sickness or unemployment, typically for a maximum of 2 years.