Cover for life and business

Protection shaped around what matters to you

From your family's financial future to the continuity of your business, our advisers help you understand your options and find suitable cover.

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For you and your family

Personal Protection

Life Insurance

Life Insurance provides a lump sum payment to your loved ones if you pass away during the policy term.

Benefits

  • Helps protect your family's financial future
  • Can cover mortgage repayments, household bills, and living expenses
  • Provides peace of mind knowing your loved ones are financially supported
  • Flexible cover options to suit your needs and budget
Discuss your options

Critical Illness Cover

Critical Illness Cover pays a tax-free lump sum if you're diagnosed with a specified serious illness covered by the policy, such as cancer, heart attack, or stroke.

Benefits

  • Provides financial support during recovery
  • Helps cover medical costs, mortgage payments, and everyday expenses
  • Reduces financial stress while you focus on your health
  • Can be added alongside Life Insurance for enhanced protection
Discuss your options

Income Protection

Income Protection provides a regular monthly income if you're unable to work due to illness or injury.

Benefits

  • Helps maintain your lifestyle and meet financial commitments
  • Covers a percentage of your income until you return to work
  • Supports mortgage, rent, bills, and family expenses
  • Provides long-term financial security during periods of incapacity
Discuss your options

Family Income Benefit

Family Income Benefit pays a regular tax-free income to your family if you die during the policy term, rather than a single lump sum.

Benefits

  • Provides ongoing financial support for dependants
  • Helps replace lost household income
  • Can be more affordable than traditional life insurance
  • Ideal for families with young children
Discuss your options

Mortgage Protection Insurance

Mortgage Protection Insurance is designed to help repay your mortgage if you die during the policy term.

Benefits

  • Helps ensure your family can remain in their home
  • Can match the outstanding mortgage balance
  • Provides reassurance for homeowners
  • Often more affordable than standard life cover
Discuss your options

Over 50's Life Insurance

A simple life insurance policy designed for people aged 50 and over, usually with guaranteed acceptance and no medical questions.

Benefits

  • Guaranteed acceptance for eligible applicants
  • No medical examination required
  • Fixed monthly premiums and guaranteed payout
  • Can help cover funeral costs or leave a financial gift
Discuss your options

Whole of Life Insurance

Whole of Life Insurance provides guaranteed cover for your entire lifetime, with a payout whenever you pass away.

Benefits

  • Guaranteed payout regardless of when you die
  • Can help with inheritance tax planning
  • Provides lifelong financial protection
  • Can cover funeral expenses and estate liabilities
Discuss your options

Private Medical Insurance

Private Medical Insurance gives you access to private healthcare treatment, specialists, and hospitals.

Benefits

  • Faster access to diagnosis and treatment
  • Reduced waiting times
  • Greater choice of specialists and hospitals
  • Supports your health and wellbeing
Discuss your options

For owners, directors, and teams

Business Protection

Build resilience into your business with protection for the people who make it work.

Relevant Life Insurance

A tax-efficient life insurance policy arranged by a business for the benefit of an employee or director.

  • Tax-efficient life cover through a business
  • Premiums are usually paid by the company
  • Suitable for directors, owners, and key employees
  • Protects employees' families
Talk to an adviser

Executive Income Protection

Provides employees or directors with an income if they cannot work due to illness or injury, with premiums typically paid by the business.

  • Tax-efficient employee benefit
  • Helps replace income during long-term sickness
  • Premiums are usually paid by the company
  • Supports employee wellbeing
Talk to an adviser

Key Person Insurance

Protects a business against the financial impact of losing a key employee or director through death or serious illness.

  • Protects profits and cash flow
  • Supports recruitment and replacement costs
  • Reassures lenders and investors
  • Helps maintain business continuity
Talk to an adviser

Shareholder Protection

Provides funds for remaining shareholders to purchase the shares of a deceased or critically ill business owner.

  • Helps maintain control of the business
  • Provides fair value to the shareholder's family
  • Prevents ownership disputes
  • Supports succession planning
Talk to an adviser

Business Protection

A range of solutions designed to protect businesses against financial loss resulting from the death, illness, or incapacity of key individuals.

  • Safeguards the future of the business
  • Protects shareholders, directors, and employees
  • Supports continuity planning
  • Provides stability during challenging times
Talk to an adviser

Not sure which protection is right for you?

Tell us what matters to you and one of our advisers will help you explore your options.

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