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We never know what is around the corner in this world. Therefore, it is always worth having provisions in place that protect you and your family should an unforeseen event occurs.

Which Products?

There are hundreds of products in the market for you to choose from, so it can sometimes feel like a minefield when trying to find one. Let a professional do the searching for you. Better still, there usually no fees for protection advice.

Life Insurance

Life Insurance policies pay out a lump-sum on death, which can either be used to pay off a mortgage or debt in full, or give you peace of mind that your family is financially secure should you pass, or have a terminal illness.

Critical Illness Cover

Like a Life Insurance policy, these policies pay out should you be diagnosed with one of many illnesses.

This can give you and your family peace of mind financially, to help you to recover from the illness, or pay for any private medical care you wish to receive.

Not all providers pay out on the same illnesses, so it is worth speaking to an expert to ensure you have the right product for your individual needs.

Income Protection

These policies pay out on a monthly basis, should you not be able to work because of an illness or injury.

This can ensure that your mortgage or rent is paid each month, as well as cover any bills or basic living costs, allowing you to fully recover.

Some policies pay out until a certain age and some pay out for only one or two years, so it is worth getting expert advice to help you find the right product.

Family Income Benefit

Family income benefit is designed to pay a regular income if you die. An alternative to life insurance, family income benefit aims to replace lost income if the person insured dies. Life insurance pays out a one off lump sum if the person insured dies, whereas family income benefit pays a monthly income instead.

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Protection FAQ's

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Being independent, we are not tied to one or two products or providers and can access the whole of the market to offer you the best possible advice, tailored to you.

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