Protect you and your Family

Life insurance

Life insurance pays out a tax-free lump sum if you die during the policy term. It helps your family cover mortgage payments, everyday living costs, childcare, or other financial commitments during a difficult time.

Critical illness cover

Critical illness cover pays a lump sum if you’re diagnosed with a serious medical condition listed in the policy. It provides financial support so you can focus on recovery rather than money worries.

Income protection

Income protection pays you a regular monthly benefit if illness or injury stops you working. It helps cover essential bills and living costs until you can return to work.

Health insurance 

Whether it’s routine check-ups, specialist consultations, or unexpected medical treatment, the right plan gives you faster access to care when you need it most. Our advisers can help you find cover tailored to your needs and budget.

How we can help

As experienced financial advisers, we can help you:

  • Identify the types of protection insurance suited to your needs

  • Recommend the most appropriate policies for you and your business

  • Assist with applications and trust setup where needed

Quick answers

  • The right level of cover depends on your personal circumstances, including income, debts, and family commitments. An adviser can help calculate the most suitable amount.

  • Policy terms vary. Some people choose cover until children are independent, mortgages are paid off, or until retirement.

  • Most personal life insurance and critical illness payouts are tax-free.

  • Yes, many clients combine life, critical illness, income protection, and health insurance policies to create comprehensive financial security.

  • A financial adviser can assess your needs, compare policies, and recommend options that provide the right cover at the right price.

What our clients say

POLICIES HAVE NO CASH IN VALUE AT ANY TIME. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE. THE POLICY MAY NOT COVER ALL DEFINITIONS OF A CRITICAL ILLNESS. FOR DEFINITIONS OF ILLNESSES COVERED PLEASE REFER TO THE KEY FEATURES AND POLICY DOCUMENTS.