Protecting What Matters
Protection isn't the easiest thing to think about, but the right cover means that if life takes an unexpected turn, money is one less thing to worry about. It's a core part of any financial plan: keeping your home, your income and your family secure when it matters most.
The Main Types of Cover
Life Insurance
Life insurance pays a lump sum to your family if you die during the policy term, giving them financial security at the hardest possible time. I'll talk you through the options, from term cover to whole-of-life plans, and help you choose what fits your circumstances.
Critical Illness Cover
Critical illness cover pays out if you're diagnosed with one of the serious conditions listed in the policy, so you can focus on getting better rather than on the bills. I'll explain what's covered and help you find a policy that sits sensibly alongside your mortgage.
Income Protection
Income protection replaces part of your income if you can't work because of illness or injury, helping you keep up with the bills until you're back on your feet. Everyone's situation is different, so I'll take the time to find cover that matches yours.
Business Protection
If you run a business, the right cover can protect it financially when a key person becomes seriously ill or dies, providing funds to cover lost profits, repay loans, or bring in a replacement. Whether you're a sole trader, partnership or limited company, I can help keep the business on a stable footing through a difficult time.
Life Assurance plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse. The payment of any benefits may affect any claim to means tested state benefits. Not all illnesses are included, full details will be incorporated within the Policy Summary. Terms, conditions and exclusions apply.