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Protection
About Protection
Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property.
Whilst insuring ourselves against an undesirable event such as sickness or even death may not be a pleasant thing to think about, the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked.
There are many ways in which a family can protect itself, and because of the large range of products available there is usually an appropriate policy for most circumstances, and most budgets.
There are many different ways to protect your family and your standard of living when you need it most.
Life Protection
Most people take out life assurance to provide for their families and alleviate any financial worries at a difficult time.
Level Term Assurance
Pays a lump sum in the event of death during the term of the policy.
Decreasing Term Assurance
Works similarly to Level Term Assurance, but the benefit is set at outset and gradually decreases over the term of the policy.
Family Income Benefit
Works the same as term assurance but instead of paying a lump sum upon death, it will usually pay a regular monthly/annual tax free income.
Critical Illness Insurance
Is usually available as an addition to all term assurance plans but can be bought on a stand alone basis. Critical illness provides a lump sum benefit / income in the event of diagnosis of certain critical illnesses.
Our Protection Services
Explore the different types of protection cover we can advise on.
Life Protection
Level term, decreasing term, family income benefit and whole of life assurance — providing a lump sum or income for your family when they need it most.
Find out moreIncome Protection
Replace a proportion of your earnings if illness or injury prevents you from working, with cover ranging from short-term policies to plans running to retirement.
Find out moreCritical Illness Cover
A tax-free lump sum paid on diagnosis of a specified serious illness, giving you financial flexibility to focus on your recovery.
Find out moreIncome Protection
Income protection insurance is designed to replace a proportion of your earnings if you are unable to work due to illness or injury. Unlike critical illness cover, income protection pays out a regular income rather than a lump sum, and continues to pay until you are able to return to work, retire, or the policy term ends.
There are a range of products available to suit different occupations, budgets and circumstances — from short-term policies covering a defined period, to long-term plans that provide cover right through to retirement age.
To find out more about the income protection options available to you, please get in touch with our independent advisers who will be happy to discuss your individual needs in detail.
Find the Right Protection for You
To find out which protection solution is right for you, get in touch with our independent advisers today.
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