Protection

Ensuring that you and your loved ones are financially protected in times of need is crucial.

Our range of personal and family protection products, including life assurance, critical illness cover, income protection, and family protection plans, are designed to provide peace of mind. With access to the whole market, we help you find the best solutions to suit your unique circumstances, ensuring comprehensive protection for your family’s future.

Personal and Family Protection

Comprehensive Coverage Options to Safeguard Your Family’s Financial Future

Life Assurance

  • Financial Protection: Provides coverage against financial debt in the event of death.
  • Terminal Illness Cover: Pays out on terminal illness diagnoses, subject to provider terms.
  • Flexible Coverage Options: Choose from decreasing or level cover with guaranteed or index-linked premiums.
  • Affordable Premiums: Costs are influenced by age, health, family history, and level of cover.
  • Regular Reviews Recommended: Especially important if your liabilities increase.
  • Whole of Market Access: We source the best policies from a range of providers.

Critical Illness Cover

  • Comprehensive Coverage: Protection for diagnosed critical illnesses or life-altering conditions.
  • Payout Upon Diagnosis: Claims are made based on conditions defined by the provider’s list.
  • Financial Assistance: Supports you through treatment, home adaptations, private healthcare, or even a recuperation holiday.
  • Flexible Use of Funds: How you choose to spend the payout is entirely up to you.
  • Premiums Tailored to You: Costs vary based on age, health, family history, and coverage level.
  • Whole of Market Access: We offer the best options from a wide range of providers.

Income Protection

  • Income Security: Provides monthly payments if you’re unable to work due to accident or sickness.
  • No Specific Conditions List: Unlike critical illness cover, there are no specific conditions that must be met.
  • Gross Payment Benefits: Payments are made gross, meaning they aren’t subject to income tax.
  • Coverage Limits: Typically covers up to 60-65% of your gross annual salary.
  • Designed for All: Suitable for both employed and self-employed individuals, including renters.
  • Not Redundancy Cover: Does not provide payments for job loss, resignation, or dismissal.
  • Whole of Market Access: We find the most suitable policies from leading providers.

Family Protection

  • Financial Security for Loved Ones: Provides financial support for your family in the event of your death.
  • Lump Sum or Income Payout: Choose from a one-time payment or regular income.
  • Family Income Benefit: Commonly used for families with young children, covering until they reach adulthood.

Business and Asset Protection

Insurance Solutions to Protect Your Business and High-Value Assets

Businesses and property owners need comprehensive protection to safeguard their investments. We offer specialized insurance products, including key man insurance, relevant life assurance, buildings and contents cover, and private medical insurance. Our solutions are designed to protect your business, property, and employees, ensuring that you are covered in all circumstances.

Buildings and Contents Insurance

  • Property and Asset Protection: Coverage for property structures and their contents.
  • Customizable Policies: Suitable for landlords, unusual properties, semi-commercial properties, and high-risk areas.
  • Commercial Coverage Available: Extend protection to land and commercial properties.
  • Whole of Market Access: We help you find the most suitable policies from a variety of providers.

    Key Man Insurance

    • Business Protection: Covers the loss of a key person due to death, disability, or critical illness.
    • Financial Security for the Business: The company is both the premium payer and the beneficiary.
    • Critical Illness Option: Coverage can include critical illness benefits for added security.

      Relevant Life Assurance

      • Employee Benefit: A tax-efficient death-in-service benefit for employees, including directors.
      • Flexible and Cost-Effective: Can be tailored to meet the specific requirements of the business.
      • Tax Relief Eligible: Premiums and payouts qualify for tax, National Insurance, and Corporation Tax relief.
      • Attract and Retain Talent: An attractive employee benefit to help recruit and retain staff.

        Private Medical Insurance (PMI)

        • Comprehensive Healthcare Coverage: Pays for private medical treatment for short-term injuries or illnesses.
        • Family Coverage Available: Includes options for partners and children.
        • Faster Treatment Options: Gives you more control over healthcare choices and speeds up the process.
        • Private Room Access: Some plans provide private hospital rooms for added comfort and privacy.