Protect What Matters

• Do you have dependants you wish to protect, or outstanding mortgages/debts?
• How would you meet your mortgage costs if unable to work due to an accident or sickness?
• Would it effect your business if you lost a key member of staff?

Buildings & Content Cover

Protect your family from events like theft, fire or a natural disaster such as flooding.

Life Insurance

Life insurance need not be expensive and provides a safety net for thos you care about

Critical Illness Cover

Critical illness may lead to loss of work, treatment and additional care costs. Make sure you are covered.

Business Protection

Do not overlook the importance of business protection, business owners need to plan for the unexpected too.

Relevant Life Cover

Providing peace of mind for your staff will be of benefit to you as a business owner too.

Critical Illness Cover

Critical Illness Cover can help you take care of your financial commitments if you are diagnosed with a serious health condition.

Critical Illness Cover is a long-term insurance policy which covers a range of critical illnesses listed within the policy terms & conditions. If you are diagnosed with one of these medical conditions, a critical illness policy will pay out a one-off payment or regular income which can help pay for your mortgage or any other additional outgoings should you need it.

Examples of critical illnesses that might be covered include:

• Stroke
• Heart attack
• Certain types and stages of cancer
• Conditions such as multiple sclerosis

Most policies will also consider permanent disabilities as a result of injury or illness. But it only pays out once and then the policy ends.

Some policies will make a smaller payment for less severe conditions, or if one of your children has one of the specified conditions.

Critical illness plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document if you go ahead with a plan.

As with all insurance policies, conditions and exclusions will apply.