Life insurance is essential for providing financial security to your loved ones in the event of your passing. We offer guidance on various types of life insurance, including term life and whole life.

Our advisers help you understand the benefits and limitations of each type and recommend the best option based on your needs and budget. We also assist with the application process to ensure you have the right coverage in place.

Critical illness cover provides a financial safety net in the event of a serious illness diagnosis. This type of insurance pays out a lump sum if you are diagnosed with a covered illness, helping you manage medical expenses and maintain your lifestyle.

Our advisers help you understand the scope of critical illness cover, including the illnesses covered and the benefits provided. We recommend suitable plans based on your health history and needs.

Income protection insurance is designed to replace a portion of your income if you are unable to work due to illness or injury.

This type of cover is essential for maintaining your financial stability and ensuring you can meet your financial obligations.

Our advisers help you understand the benefits of income protection, including the coverage amount, waiting periods, and policy terms. We recommend a suitable plan to provide you with peace of mind and financial security.

Whole of life insurance is an assurance policy that is guaranteed to pay-out upon death, and therefore tends to be more expensive than term insurance.

You may only want to leave enough money to support your children whilst they are still dependant on you, or if you do not have children, enough to cover your outstanding mortgage and debts, in which case a life insurance policy would probably be more suitable.

However, some people want to leave a sum of money to their loved ones as a form of inheritance, in which case a whole of life policy would likely be right for them.

Key person insurance is a policy taken out by a business to insure their most valuable employees. It helps to think of it as life and critical illness cover for those who are crucial to your company’s success – whether that’s the CEO, your top sales guy, or someone with a specialist skill set.

If any of these key people were to suddenly die or fall ill, a keyperson insurance policy will protect your business against the financial repercussions. A lump sum is paid-out directly to the business and this can be used to cover the cost of any profit losses, replacement staff, or loan repayments. It will keep you afloat during a difficult time and could be the difference between your survival or closure.

Our protection planning services are tailored to meet your specific needs and goals. We work with you to develop a comprehensive protection plan that includes life insurance, critical illness cover, and income protection. This plan is designed to provide financial security for you and your family, ensuring that you are prepared for any unforeseen circumstances.