If you have a mortgage, dependants, or simply want peace of mind that your lifestyle is protected, personal and family protection insurance can help safeguard against life’s unexpected challenges.
It’s about ensuring you and your loved ones won’t face financial hardship if illness, accident, or death impacts your income.
Why Protection Insurance Matters
Covers mortgage repayments and household bills if income is lost
Provides a lump sum or regular income to your family if you pass away
Supports financial security during serious illness or long-term injury
Helps preserve your lifestyle and future plans, even in difficult times
Life Insurance
Pays out a lump sum or regular income when you die, giving your loved ones financial stability.
Why it matters:
Clears outstanding debts like a mortgage
Replaces lost household income
Provides for your family’s day-to-day needs
Main types:
Term Insurance: Cover for a set period (e.g. 20 years).
Level: Fixed cover and premiums.
Increasing (index-linked): Cover rises with inflation.
Decreasing: Matches a repayment mortgage, reducing over time.
Renewable/Convertible: Extend or convert to whole-of-life.
Family Income Benefit: Instead of a lump sum, pays out a regular income to dependants.
Whole of Life Insurance: Pays a lump sum whenever you die (as long as premiums are maintained).
Serious & Critical Illness Cover
What it does:
Pays out a tax-free lump sum on diagnosis of a serious condition (e.g. cancer, stroke, heart attack).
Why it matters:
Covers medical costs, mortgage repayments, or living expenses
Offers peace of mind during treatment and recovery
Relevant for anyone, especially those with dependants or a mortgage
Important to know:
If replacing an existing policy, consider exclusions on pre-existing conditions and whether newer products offer the same breadth of cover.
Income Protection Insurance
What it does:
Provides a regular tax-free income (typically up to 70% of your earnings) if you can’t work due to illness or injury.
Why it matters:
Keeps up mortgage or rent payments
Covers household bills and living costs
Lets you focus on recovery instead of financial stress
Options:
Full Income Protection: Pays out until retirement, death, or the policy end date.
Short-Term Cover: Cheaper premiums, but only pays for 12–24 months.
Other Key Considerations
How much cover do you need?
We’ll assess your mortgage, outstanding loans, income, household needs, and childcare to calculate the right level of protection.
Keeping cover up-to-date
Review your policy when you marry, move home, start a family, or change jobs. Life changes often mean your cover should change too.
Writing Life Insurance in Trust
Placing your policy in trust ensures the payout goes directly to your chosen beneficiaries, usually faster and without inheritance tax.
Look beyond the price
Not all policies are equal, particularly with critical illness and income protection. We help you find the cover that genuinely matches your needs.
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