We can discuss the following types of protection plans:

Income Protection – Helps replace a proportion of your income if you are unable to work due to illness or injury, helping you and your family maintain your financial commitments.

Level/Decreasing Term Assurance – This can cover your mortgages payments, or other requirements, so that should you die your family have one less bill to worry about.

Critical Illness – Should you receive a diagnosis of a specified ‘critical illness’ the policy will pay out a lump sum. This is only payable once and depending on providers, the types of illness covered vary – we can advise on the exact terms.

Whole of life protection – where the payment of premiums guarantees that an agreed sum will be paid out on death whenever that occurs.

We also offer a range of business protection plans such as Keyperson/Shareholder/Partnership protection.

Note that income protection plans typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse.

Cover is subject to terms and conditions and may have exclusions. Definitions of illnesses vary from product provider and will be explained within the policy documentation