The right insurance can give you peace of mind. We’re here to help protect you, your family, and your home with cover that truly supports you when it matters most.
From life and critical illness cover to income protection and home insurance, we provide tailored policies to safeguard your financial future and give you peace of mind.
Life insurance
Life insurance offers a vital financial safety net for your loved ones in the event of your death. It ensures that your beneficiaries - whether a spouse, children, or other dependents - receive a lump sum payout or ongoing payments. This money can help cover essential costs, such as paying off your mortgage, and provide financial security during a challenging time. Where applicable, we recommend placing your policy in a trust. This ensures that the funds go directly to the intended recipient without delay or complications. We’ll guide you through this process when arranging your policy, making sure everything is set up according to your wishes.
Critical illness insurance
Critical illness insurance provides financial protection if you’re diagnosed with a serious illness, such as cancer, heart attack, stroke, or MS (among many other conditions). A lump sum is paid out if you’re diagnosed with a covered condition. This payout can help cover a range of needs, including paying off your mortgage, funding private treatment, taking time off work for recovery, or adjusting your lifestyle to accommodate any changes. Critical illness insurance is especially valuable for safeguarding your financial wellbeing, particularly if your illness affects your ability to work and meet financial commitments like your mortgage.
Income protection insurance
Income protection insurance provides a monthly income if you are unable to work due to accident, illness or injury. It typically covers a percentage of your salary (often 60-70%) and is designed to help you manage everyday living expenses, such as bills, mortgage payments, and other financial commitments, while you are unable to work. This insurance can last for a set period or until you’re able to return to work. It ensures that you don’t face financial hardship in the event of long-term illness or disability.
Family income benefit
Family income benefit is a type of life insurance that provides regular income payments instead of a lump sum if you pass away. This regular income can help replace lost earnings and ensure your family’s financial needs are met. It is often used to provide a steady source of income for families, especially when the deceased was the primary breadwinner. The amount of coverage and the duration of the payments can be tailored to meet your family’s needs, making this a helpful option for ensuring financial security for loved ones over time.
Home Insurance
Home insurance is essential for protecting your property and possessions from unexpected events such as fire, theft, or flooding. It typically covers the cost of repairing or rebuilding your home if it’s damaged and replacing belongings lost or damaged in an incident. There are two main types: building insurance (covering the structure) and contents insurance (covering personal belongings). We always try to recommend comprehensive policies that offer both.
Landlord’s Insurance
Landlord’s insurance is specifically designed for property owners who rent out their properties. This type of insurance covers the property against risks like fire, and flooding, , as well as damage caused by tenants in some cases. Landlord’s insurance can also cover loss of rental income.
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