You can’t always predict the future, so it pays to plan for the unexpected. In the event of a death, illness or redundancy, it’s wise to be prepared so the financial impact on you and your family is reduced and you and your loved ones are as financially secure as possible.

Life Insurance

Designed to give financial protection in the death of an insured individual; to repay a mortgage or to replace an income on either a fixed or reducing term.

Accident/Sickness/Unemployment Insurance

Usually a short-term financial benefit for between 12 and 24 months.

Private Medical Insurance (PMI)

Pays for you to have medical treatment for curable short-term illnesses, normally where and when you wish.

Permanent Health Insurance

If you’re self-employed, or don’t receive sick pay at work you could see a drop in income if you’re unable to work.  This insurance provides an income whilst you’re unfit to earn money.

Critical Illness Insurance

On diagnosis of a specified list of critical illnesses this pays either a lump sum or a monthly income.

Please note that insurance is based on your health and previous or existing medical conditions are unlikely to be covered.  However please seek advice prior to making an application..