Family Protection in case things go wrong!

If your children, partner or relatives depend on your income to cover the cost of paying the mortgage and other living expenses, then it makes good sense to think about the protection and peace of mind that insurance can give.


There are a variety of plans available in the marketplace which can be tailored to your specific needs, and you can take out cover for critical illness and income protection too. Your Broker will be able to recommend the right policy to meet your specific needs.


For insurance business we offer products from a choice of insurers.


Which plan is right for me?

Term life insurance policies run for a fixed period of time - such as 10 or 25 years. This type of insurance only pays out if you die during the term of the policy. 


There are various forms of cover to choose from, including level term insurance, where the cover remains at a constant level throughout the policy, or decreasing term insurance where the level of cover gradually reduces over the term of the policy. The latter is often taken out with a mortgage, with the sum assured reducing in line with the outstanding amount of the mortgage.


Your Broker will recommend the right type of plan for you.

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Money when you need it.

Most people don’t like to think about death or serious illness and even if they do, they'll say they don’t need protection because, 'It’ll never happen to me.'


The statistics show that more and more people are recovering from serious illnesses that, at one time, might have killed them or at least ended their working life. With advances in medical science, the challenge for many people can be funding their recovery until they are well enough to return to work.


This type of cover pays a lump sum or monthly amount in the event of being diagnosed with a specific range of illnesses such as cancer, heart attack or stroke.


Your Broker can talk to you about how much you would need, the likely costs and make a personalised recommendation for you.

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A Monthly Benefit to Protect Your Income

Ill health can happen to anyone, any time! Have you considered how you will pay the bills if you were too ill to work for a while?


Income protection is designed to pay you an income when you're off work sick and can even be set up to begin when your employer sick pay ends. This type of cover pays a monthly amount in the event of being unable to work for a prolonged period of time irrespective of the condition.


Your Broker can talk to you about how much you would need, the likely costs and make a personalised recommendation for you.

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Buildings & Contents Insurance

As well as protection for yourself, you should think about insurance for your home and contents too. 


Homeowners need to have building insurance. Your mortgage lender will usually stipulate this as a condition of granting your loan, so not having a policy could put your mortgage and your home at risk.


We use a specialist partner for this type of protection, they search the market to find the plan that is right for you.

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