Protection & Insurance

Life insurance provides financial support to your family if the worst were to happen.

Designed to pay out a lump sum in the event of death or terminal illness

Can help repay a mortgage, replace lost income, or support your family’s future

Offers peace of mind that those close to you are looked after.

A serious illness can have both emotional and financial impacts.

Critical illness cover is designed to:

• Pay out a lump sum if you’re diagnosed with a specified serious condition
• Help cover medical costs, time off work, or lifestyle adjustments
• Reduce financial pressure at an already difficult time

If you are unable to work due to illness or injury, your income could be affected, and income protection can:

• Provide a regular income while you’re off work
• Help you keep up with everyday expenses
• Give you breathing space to recover without financial stress

• Instead of a one-off payment, this type of cover:
• Pays a regular income to your family if you pass away
• Helps replace lost earnings over time
• Can support day-to-day living costs, childcare, and education

For many people, their home is their biggest financial commitment.

Mortgage protection can:

• Help repay your mortgage if something happens to you
• Ensure your family can stay in their home
• Provide stability at a difficult time

Some protection planning goes hand-in-hand with your long-term financial and estate plans.

Whole of life policies can:

• Provide a guaranteed payout whenever you pass away
• Be used to help cover Inheritance Tax liabilities
• Support your wider estate planning strategy

Your pension plays a key role in your long-term financial security.

We can help you:

• Ensure your pension is protected in the event of death
• Align protection with your wider retirement planning goals
• Make sure your benefits go to the right people

As covered in your wider financial plan, later-life care can be a significant cost.

Long-term care planning can:

• Help provide financial support if care is needed
• Protect your assets and estate
• Work alongside your estate and inheritance planning

Protection is not something to think about in isolation.

We will help you connect it to your wider financial plan — alongside your pensions and retirement planning, your savings and investments and your estate and inheritance plans, so everything works together, giving you confidence in both the good times — and the uncertain ones.

Peace of mind starts with a conversation

Most types of policies do not have a cash value, unless a valid claim is made.

Critical Illness policies may not cover all definitions of a critical illness, and the scope of coverage may vary from policy to policy.