Life is uncertain.
Protect what

None of us like to think about death or illness but we all know that anything can happen in life so we like to help you be prepared. We can help you get great cover to protect everyone and everything that matter to you most.

The sad fact is that we’re more likely to insure our pets than ourselves. But Rover won’t pay the mortgage for your kids if you get hit by a bus!

Nobody likes to think about these things but we deal with them every day and can help you get the cover that’s right for you……and it doesn’t cost as much as you think. Even if you have life cover a quick review with one of our advisers can check to see if it’s still suitable for your needs, and advise on the right type of protection products to suit the circumstances of you and your family.

Not sure what you need?? Take a look below at some examples...

Life Insurance

This provides one-off tax free lump sum payment in the event of your death. Often taken out to protect a mortgage. There are two common types of Life Assurance linked to a mortgage, Level Term and Decreasing Term.

Level Term Assurance provides a set level of cover for the term you choose. Decreasing Term Assurance covers you for the term you choose, but the level of cover decreases through the term of this policy, usually to coincide with the reducing debt on your mortgage.

Contact an adviser for help and advice...

Critical Illness Cover

This provides one-off tax free lump sum payment in the event of a specified serious illness like cancer or permanent disability caused by injury.

For a relatively small monthly amount, you could help yourself and your family cope for a while without income to pay household bills and debts. This would mean one less thing to worry about at this very stressful time.

You can also combine critical illness and cover and life insurance in one plan.

Contact an adviser for help and advice...

Home Insurance

This shouldn’t just be about getting the minimum protection for your bricks and mortar. And definitely not from an opera singer online!. Your policy should be designed around you, reflecting the things you value most. We can advise on the cover that is right for your needs and from a company we know will look after you most when you need it.

Along with fires and floods, a good buildings insurance policy will protect your home against storm damage, subsidence, burst pipes and vandalism. Failure to have cover in place could result in you having to pay out thousands for repairs.

Contact an adviser for help and advice...

now and for
the future

Funeral Plans

We know all of this can seem a bit morbid and depressing but we all know how sad it is losing someone we love. This stressful time is made worse when there’s no funds to cover the cost of a funeral. Having a funeral plan in place makes it easier on those left behind to cover the costs of your final wishes.

Contact an adviser

Income Protection

If you got sick or injured, how would you pay your mortgage/rent or even your medical bills as you recover? Income Protection Cover pays you a monthly tax-free income until you’re well enough to go back to work, which can be used to help pay your bills, your mortgage or even medical costs.

Contact an adviser

Business Protection

When you’re busy running your own business you might not get much time to sit and think how important you or your partners actually are. Business Protection works on the same principles as Life or Critical illness cover and can be split into four main types: Key Person, Share Protection, Business Loan Protection & Relevant Life Plans.

Contact an adviser