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Protection that actually pays out
Insurance only earns its keep when life goes sideways. We build cover around your mortgage, your income and your family, keep it affordable, and make sure it will do its job when it is needed.
Every type of cover, on its own page
Life, income and illness cover each work differently. These pages explain what each one does, who it suits and what it tends to cost.
Income protection
A monthly income if illness or injury stops you working, for as long as you need it.
Read more →Life insurance
A lump sum that clears the mortgage and gives your family room to breathe.
Read more →Over-50s life insurance
Guaranteed acceptance cover to leave something behind, with no medical.
Read more →Critical illness cover
A payout on diagnosis of a serious condition, so money is one less worry.
Read more →Buildings & contents
The cover your lender asks for, plus the contents cover most people forget.
Read more →Whole-of-life cover
Lifelong protection, often used to plan around an inheritance tax bill.
Read more →
Cover written to be claimed
The cheapest policy is worthless if it never pays. We match the definitions and the provider to your job and your health, so a claim is straightforward rather than a fight. And we review it as your life changes.
- Right cover, right providerWe match illness definitions and terms to your situation, not just the headline price.
- Honest about healthDeclaring things properly upfront is what makes a claim go smoothly later.
- Reviewed as life movesNew job, new baby or a bigger mortgage all change what you need.
Questions we hear a lot
Income protection is worth a look for anyone with bills and no employer to lean on. Life cover matters most when someone depends on your income.
Employer benefits are a good start but often stop when the job does, and death-in-service is usually a fixed multiple of salary. Personal cover fills the gaps and moves with you.
Not usually. It may affect the price or the terms, but there is often a sensible option. It is exactly the kind of thing we untangle for you.
Sort the safety net
A quick conversation is all it takes to see what cover would cost and whether you actually need it.