Personal Life Insurance & Protection Products

Live with peace of mind knowing your life is covered.

Protect your family in case of the worst

Protect yourself and your family from illness or injury

Protect your income if you cannot work

Protect yourself financially with mortgage & loan protection

Protect your family, partner or yourself in case of the worst.

Critical Illness Cover

Protection for you and your family incase you are critically ill.

Personal Protection products.

Over 50s Life Insurance

Over 50’s life insurance differs from Whole of Life insurance in the fact that it doesn’t require any medical underwriting, so cover is guaranteed. However, the cover has a ‘survival’ period, meaning the life assured must live for a defined period following the start date of the policy before the full sum assured becomes payable.

Benefit levels are limited by a maximum premium and further defined by smoker status and age at application.

Over 50’s Life Cover offers a very quick way to incept life insurance for ‘smaller’ sums assured, to cover things such as funeral costs or leaving a small legacy to family.

Whole of Life Cover

Most people take out term assurance to cover liabilities for a defined period but Whole of Life cover can be arranged to offer the same kind of protection without being determined by specific future dates, so as liabilities diminish the cover remains in place.

Whole of Life cover may also come into consideration should you want to be certain of leaving children or grandchildren a legacy.

Income Protection

Accident, Sickness & Unemployment Cover

Accident, sickness and unemployment cover (ASU) is a short-term form of income protection, usually with maximum benefit periods of 12 or 24 months.

Policies can be arranged to cover accident & sickness or standalone unemployment or combined accident, sickness & unemployment.

Plans can be linked to cover mortgage payments, a percentage of income or can be to any chosen benefit level within providers’ limits, without need for proof of financial commitment or income.

Personal Protection Providers