Life insurance, critical illness cover, income protection and more. Ensure your family and mortgage are protected if the unexpected happens.
Get Protection QuoteDifferent policies protect against different risks. Most people benefit from a combination.
Pays out a lump sum if you die during the policy term. Essential for anyone with dependants or a mortgage.
Pays out if you're diagnosed with a serious illness like cancer, heart attack or stroke.
Replaces your income if you can't work due to illness or injury. Pays monthly until you recover.
Protect your home and possessions against damage, theft and other risks.
Specialist cover for buy-to-let properties including rent guarantee and legal expenses.
Pays a regular tax-free income to your family if you die, rather than a lump sum.
people will be unable to work due to illness before retirement age
Tell us about your situation and we'll recommend the right protection.
Consider: outstanding mortgage balance, years of income replacement needed, any debts to clear, and funds for dependants' future (education, living costs). A common rule is 10x your annual salary, but a protection adviser can calculate your specific needs.
Level term pays a fixed amount whenever you die during the term - good for family protection. Decreasing term pays less each year (matching a repayment mortgage balance) - cheaper and designed specifically for mortgage protection.
They protect different risks. Life insurance pays when you die. Critical illness pays if you're diagnosed with a serious illness but survive. Statistics show you're more likely to be critically ill before 65 than to die. Consider both if budget allows.
Income protection pays a monthly income (up to 60-70% of salary) if you can't work due to illness or injury. Unlike critical illness which pays once, income protection pays monthly until you recover or retire. It's the most comprehensive protection for your income.
Most life and critical illness policies are 'guaranteed' - premiums stay fixed for the full term. Some income protection policies are 'reviewable' meaning premiums can increase. Always check whether your quote is guaranteed or reviewable.