It makes sense to insure your home, your car and your family against the unexpected. Taking out a pension to fund your retirement is also the sensible thing to do.

But what about your income? Your Biggest Asset!! What if you were to suffer an accident or long-term illness that prevented you from earning an income and providing for your family’s lifestyle?

Income Protection is designed to provide you with an alternative income if you suffer any illness or injury which prevents you from earning an income of your own. It helps take care of your financial needs at a time when money worries should be the last thing on your mind as you focus on recovery. Your premium is subject to tax relief at the highest rate.

This is cover for death over a specified period of time. This can be used for family protection and Bank borrowings.  You pay a regular premium linked to the level of cover and term you require.

This is a form of life cover that pays a lump sum if you die before your normal retirement age.

The premiums are subject to tax relief at your highest rate, and the lump sum should enable your family to continue to enjoy a comfortable lifestyle in the event of your untimely death.

There is a range of Business Protection solutions available to ensure that your business is safe and secure in the event of the loss of any of your valued management team.  

You have worked very hard to build up and run a business, you should protect your business against an illness or death affecting yourself, a co-director or an important shareholder.

Buying your home is one of the biggest and most important financial decisions you’ll ever make. Not only is it a place for you and your family to live in and enjoy, but it also has a big role to play in your financial well-being. Mortgage Protection provides a lump sum of money to pay off the balance of your mortgage in the event of your death. It is a basic, cost-effective form of life cover designed to ensure that your family and loved ones’ home is fully protected.

Serious Illness Cover is a policy that pays you a tax free lump sum in the event of you being diagnosed with a qualifying serious .

Serious Illness Cover is also known as “Critical Illness Cover” and more technically as “Specified Illness Cover” because there is a specific list of illnesses and conditions that are covered, such as cancer, stroke, heart attack, organ failure and loss of hearing, speech or sight, etc.

This list is specific and the list and prices vary significantly from one insurer to the next.