Life Protection
Protecting what really matter to you
Life Assurance
The aim of life protection (or life assurance) cover is to protect you against the unexpected. It will provide money for people who financially depend on you. We need to consider the impact and consequences our death would have on the people most close to us
Term Assurane
You only get a pay-out within the 'term' of your policy. The payout you get is fixed from the start of the term until the end. Level term assurance then guarantees a known lump sum pay-out upon death within a fixed time.
Whole of Life Assurance
These are policies that provide life assurance for the whole of your life. Whole of Life insurance guarantees to pay out in the event of death, whenever it occurs, generally as long as the premiums are paid. The premium you pay may also include an investment element which helps to pay for the cost of cover over time
Income Proection
Income Protection Insurance is designed to pay a regular tax free monthly income if you are unable to work due to illness or injury, but as defined by the terms of each individual policy.
Family Income Benefit
You only get a pay-out within the 'term' of your policy. The payout you get is fixed from the start of the term until the end. Level term assurance then guarantees a known lump sum pay-out upon death within a fixed time.
Critical Illness
For many the financial risks of a serious illness or injury are more important (and likely) than death, as it may lead to loss of work, treatment and additional care costs. A critical illness policy will make a lump sum payment on diagnosis of defined “critical” illnesses, serious conditions or injuries. The covered conditions, and level of payment, vary greatly from policy to policy so it is vital to read the terms and conditions of each rather than simply choosing the cheapest
Funeral Plans
A pre-Paid Funeral plan cost less than you might think, ideal for those that do not want to leave a financial burden on your family after your days, as its already arranged to how you want it, it takes the stress away from the family members.