Personal Protection

Critical Illness Insurance

Critical illness cover will pay you a one off lump sum if you are diagnosed during the term of the policy with a specified critical illness covered. This sum is paid directly to you regardless of any other sources of income. Critical illnesses normally covers a range of illnesses including heart disease or attack, stroke, cancer, organ transplant requirement. Some policies pay a percentage of the sum assured if a less serious illness occurs.

Whole of Life Insurance

Whole of Life insurance, the most basic form of cash value life insurance, provides coverage for your whole life, rather than a specified term. Used intelligently they can help protect your family whilst they are still financially dependent and then to pay any IHT due when you die.

A fixed death benefit is paid to your dependants on your death along with the balance of the savings account.

Term Insurance

Term Insurance is life insurance coverage for a specified period of time, normally for a specified number of years or to a certain age. Term insurance is usually the least expensive form of life coverage, at least initially. You can take out Term Insurance either for a fixed rate of cover for the whole term or at an amount that reduces over the term of the insurance. If you die during the designated term the amount of determined insurance is paid to your beneficiaries.

Income Protection Insurance

Income protection insurance is designed to replace your income by paying you a regular tax-free income in the event that you are unable to work through illness or injury. There are a number of income protection policies available which offer a range of options over varying periods of time

It is also possible for you to obtain short-term policies to cover against unemployment or redundancy.