COVERAGE & PROTECTION SOLUTIONS
From personal protection to complex commercial risk, we arrange cover that's properly matched to your circumstances.
LIFE INSURANCE
Provides a Tax-free lump sum payable on death within the Policy Term, typically structured to repay outstanding liabilities or replace lost income for dependants.
- Typically written in trust to avoid inheritance delays
- Used to repay mortgages, debts, or replace lost income
- Level or decreasing cover aligned to financial liabilities
Critical Illness Cover
Designed to pay a lump sum on diagnosis of a specified illness meeting the Insurer’s definition, supporting financial commitments during treatment or recovery.
- Covers conditions such as cancer, heart attack, and stroke
- Definitions and severity criteria vary by insurer
- Often combined with life cover
Income Protection
Provides a monthly benefit if you’re unable to work due to illness or injury, based on a proportion of earnings and payable following a selected deferred period.
- Monthly benefit based on a % of your gross income
- Deferred period aligned with employer sick pay
- Covers illness and injury until return to work or policy end
Family Income Benefit
Pays a regular Tax-free income to your family on death for the remainder of the Policy Term, supporting ongoing household expenses rather than a one-off lump sum.
- Paid monthly until the end of the policy term
- More cost-effective than equivalent lump sum cover
- Designed to support ongoing household expenditure
Private Medical Insurance
Provides faster access to private diagnosis and treatment, helping you avoid NHS waiting times and access specialist care when needed.
- Reduces waiting times compared to NHS pathways
- Access to private hospitals and specialist consultants
- Policies vary on outpatient limits, excess, and underwriting
Building & contents
Covers the cost of rebuilding the property and replacing contents following insured events, subject to policy limits and underwriting.
- Buildings sum insured based on full rebuild cost
- Contents cover includes personal possessions within the home
- Optional extensions for accidental damage and high-value items
Whole of Life
Whole of Life Insurance provides lifelong cover and pays out whenever you pass away, not just within a set term. It’s often used to help with inheritance tax, funeral costs, or leaving a guaranteed gift to loved ones.
- No fixed term; policy remains in force for life
- Commonly used for inheritance tax planning
- Premiums may be guaranteed or reviewable depending on plan
Everyday Protect (GP 24/7)
Everyday Protect gives you access to a GP 24 hours a day, 7 days a week all from the comfort of your home. Whether you need medical advice, prescriptions, or reassurance, you can speak to a qualified doctor whenever you need it.
- Monthly benefit based on a % of your gross income
- Deferred period aligned with employer sick pay
- Covers illness and injury until return to work or policy end
Relevant Life Insurance
Relevant Life Insurance is a tax-efficient way for business owners or employers to provide life cover for themselves or their employees. It’s paid for by the company, but benefits the individual’s loved ones if the worst were to happen.
- Premiums typically treated as an allowable business expense
- Benefits usually paid via trust, outside inheritance tax
- Suitable for directors and small business owners without group schemes
Accident Plan
An Accident Plan provides financial support if you’re injured in an accident. It helps cover costs while you recover whether that’s paying for time off work, travel to appointments, or just easing the pressure while you get back on your feet.
- Monthly benefit based on a % of your gross income
- Deferred period aligned with employer sick pay
- Covers illness and injury until return to work or policy end
Child Sure
Child Sure provides protection for your children, offering financial support if they suffer a serious illness or injury. It helps you take time off work and focus on what matters most, their recovery and wellbeing.
- Often added as a rider to a parent’s policy
- Covers defined conditions with insurer-specific criteria
- Supports time off work and additional care costs
Mortgage Safe
Mortgage Safe is designed to help you keep up with your mortgage payments if you can’t work due to accident, sickness, or redundancy. It ensures your home remains secure, giving you one less thing to worry about.
- Decreasing term policies aligned to capital repayment mortgages
- Level cover used for interest-only or fixed liabilities
- Ensures property can be retained without financial strain
