Life Assurance

Life Assurance ensures that your home and lifestyle are protected in the event of illness or an accident. Whether you plan to pay off your mortgage, receive a lump sum or provide a replacement income, we can help you to find a policy suited your family’s needs and budget.

Level Term Assurance 

Level Term Assurance provides a guaranteed sum in the event of your death, or you becoming eligible for terminal illness provision under the plan. The amount of life cover remains the same throughout the fixed term of your plan. Often, terminal illness cover is built into your plan at no extra cost.

Decreasing Term Assurance

Decreasing Term Assurance provides a guaranteed sum in the event of your death, or you becoming eligible for terminal illness provision under the plan. The amount of life cover will reduce over the fixed term broadly in line with the amount you owe on your mortgage. The cost of this cover is usually cheaper than level life cover.

Critical Illness Cover

In the unfortunate event that you are struck down by a condition that changes the way you live your life, critical illness cover can help you deal with the financial pressures this is likely to bring. The cover works by paying out a tax-free lump sum following diagnoses of specified critical illnesses (these vary depending on the policy), helping you to pay for alterations to your home, a new car or a permanent carer.

Income Protection

Income protection insurance can ensure the wellbeing of you and your family remains uncompromised, and provide a reprieve to anxiety and stress in times of unemployment. The right insurance plan can act as a replacement for your lost income, cushioning you from the blow of losing your job and helping you to get back on your feet.

Private Medical Insurance

Private Medical Insurance (PMI) is a type of cover that pays your private healthcare costs if you have a treatable condition. PMI usually allows access to specialist medical treatment more quickly than on NHS waiting lists, as well as access to the hospital and consultant of your choice and a private en suite room.