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Cover for Every Stage of Life
Ensure your family's security and well-being with tailored insurance solutions. Our comprehensive coverage includes Life Insurance, Critical Illness Cover, Income Protection, Children's Cover, and Family Income Benefit. These essential policies provide support and peace of mind through all of life's challenges, helping you safeguard your financial future.
INCOME PROTECTION
One of the biggest fears for many people is not being able to pay the mortgage or rent if they're unable to work due to an illness or accident.
This is particularly worrying in the current uncertain climate, but one of the simplest ways to cover loss of earnings is by taking out income protection insurance.
Income Protection (IP) is an everyday essential which works when you can't. The cover protects some of your income (up to 70%) if you are unable to work because of an accident or illness and pays out an ongoing, regular benefit for your chosen term.
Eligibility for benefit such as ESA*, PIP, Universal credit, DLA is strict and generally a slow process, even if you do qualify, the benefits are limited. (ESA is taxable*)
Income Protection could be the right solution for you. It pays a regular income designed to protect your standard of living if you suffer long-term sickness or injury. Benefit usually starts after an initial waiting period of 4, 8, 13, 26 or 52 weeks and it can be payable up until you return to work, die or the policy term expires, whichever happens first.
Some policies will also include fracture cover as standard – offering a lump sum pay-out if you are diagnosed with a specific bone fracture.
You may have a policy covering your life should you die – normally enabling your mortgage to be paid off and to relieve the financial burden on those left behind. However how will your family continue to survive?
You may have maintenance payments you are making; you may want to ensure your children's prospects are not affected by a drop in the family income or you may need to help with care costs.
Family Income Benefit is a cost-effective way of providing those you leave behind with a tax-free monthly income for the term you choose.
For example – you have a young child who you want to ensure is looked after until they turn 18, you could set the term of the policy to last until their 18th birthday and this would ensure whoever is looking after them will be financially supported and able to provide them care without the added pressure of having to work to replace any lost income.
FAMILY INCOME BENEFIT
CHILDRENS COVER
If you're a parent, the last thing you'll want to think about is your child being critically ill in the future. But it's worth considering how you'd manage financially if it did happen.
While we cannot prevent serious illness from occurring, we can help to give you the reassurance that if it did, you've got a financial helping hand.
The money might be put towards things like, travel expenses to get treatment in hospital, adapting your home with equipment to aid recovery, childcare costs, helping make up for any lost income, if you have to stop working or taking your child and family on days out while they recover
It's a contribution towards your family's finances that you can use however you need.
Critical Illness cover helps protect you if you become critically ill during the policy term. It pays out a tax-free lump sum that you can use however you like – whether that's to help cover health-related costs, monthly expenses, taxis to hospital for treatment, adaptations to the home or replacing lost income while you get better.
Critical illness insurance pays benefits on the diagnosis of certain specified critical illnesses. The range of conditions covered differ from one provider to another.
Some policies will also offer children's cover, either included or as optional extra to ensure that you will receive support if your child is diagnosed with or has surgery for a critical illness.
CRITICAL ILLNESS COVER
LIFE INSURANCE
Life insurance helps give your family financial protection should you die or potentially be diagnosed with a terminal illness within the policy term. It provides a lump sum, helping your loved ones maintain their living standards or pay mortgage costs.
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If you have a family, life insurance can give you peace of mind that they will be looked after in the tragic event of your death. None of us like to think about it but understanding how this type of insurance works could save you money.
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Joint or separate life insurance policy?
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If you and your partner would like combined cover, you can take out a joint policy.
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This pays out once and won't provide cover for the second person after the first passes away.
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You can also take out two separate policies. So, if there is a pay-out for one person their policy will end – but the second person's policy will continue.
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