Life Insurance

Life insurance is designed to provide a financial payout if you die during the term of the policy. It is commonly used to support dependants, repay a mortgage, or provide longer-term financial security for loved ones.

Life insurance can be arranged to cover a specific amount over a set period, such as the length of a mortgage, or for family protection more generally.

Life insurance may be used to:

• Repay a mortgage or outstanding debts
• Provide financial support for dependants
• Cover everyday living costs for family members
• Support inheritance or estate planning

Policies can be arranged on a level or decreasing basis, depending on the purpose of the cover. The cost of life insurance is influenced by factors such as age, health, lifestyle, and the level of cover required.

Life insurance should be reviewed regularly, particularly following changes such as marriage, children, moving home, or changes in income.

Cover is subject to underwriting and terms and conditions.
As with all insurance policies, conditions and exclusions will apply.

Critical Illness Cover

Critical illness cover provides a lump sum payment if you are diagnosed with a serious illness listed in the policy. This payment can be used to support recovery, adapt your home, or manage financial commitments during treatment.

Common conditions covered may include:

• Certain types of cancer
• Heart attack or stroke
• Multiple sclerosis
• Major organ failure
• Permanent disability

The exact illnesses covered vary between insurers, and definitions are strict. It is important to understand what is and is not included before proceeding.

Critical illness cover can be arranged on its own or combined with life insurance. Premiums are affected by age, health, occupation, and the level of cover chosen.

This type of protection can provide valuable financial support during a difficult time, but it should be considered carefully alongside other protection options.

Cover is subject to underwriting and terms and conditions.
As with all insurance policies, conditions and exclusions will apply.

Income Protection

Income protection is designed to provide a regular income if you are unable to work due to illness or injury. It can help cover everyday living costs while you recover.

Income protection typically pays a percentage of your income after a chosen waiting period and continues until you return to work or the policy ends.

Income protection may help with:

• Monthly household bills
• Mortgage or rent payments
• Ongoing financial commitments
• Long-term illness or injury

Policies can be tailored to suit different employment types, including employed, self-employed, and contractors. Benefit periods and waiting times can be adjusted to reflect savings or employer benefits.

Income protection is different from short-term sick pay or state benefits and can offer longer-term support.

Cover is subject to underwriting and terms and conditions.
As with all insurance policies, conditions and exclusions will apply.

Family Income Benefit

Family income benefit is a form of life insurance that pays a regular, tax-free income to your family if you die during the policy term, rather than a lump sum.

It is often used to provide ongoing financial support for dependants, particularly where children are involved.

Family income benefit may be used to:

• Replace lost income
• Cover everyday household expenses
• Support childcare or education costs
• Maintain family living standards

The policy pays out for the remainder of the term if a claim is made, meaning the amount received depends on when the claim occurs.

This type of cover is often more affordable than lump sum life insurance and can be aligned with key life stages, such as children reaching adulthood.

Cover is subject to underwriting and terms and conditions.
As with all insurance policies, conditions and exclusions will apply.

Mortgage Protection Insurance

Mortgage protection insurance is designed to help ensure your mortgage can continue to be paid if you die, become critically ill, or are unable to work due to illness or injury.

Mortgage protection may include:

• Life insurance
• Critical illness cover
• Income protection

Cover can be arranged to match the size and term of your mortgage, either on a level or decreasing basis.

Having suitable mortgage protection in place can help provide peace of mind and reduce financial pressure on your family if circumstances change.

Mortgage protection should be reviewed whenever your mortgage changes, such as after remortgaging or moving home.

Cover is subject to underwriting and terms and conditions.
As with all insurance policies, conditions and exclusions will apply.

Buildings and Contents Insurance

Buildings and contents insurance helps protect your property and belongings against risks such as fire, flood, theft, and accidental damage.

Buildings insurance covers the structure of your home, while contents insurance protects personal possessions inside the property.

Buildings and contents insurance may cover:

• Structural damage to your property
• Fixtures and fittings
• Personal belongings and valuables
• Accidental damage options
• Legal and emergency cover

Mortgage lenders usually require buildings insurance to be in place from exchange of contracts.

Levels of cover should be reviewed regularly to ensure they reflect the true rebuild cost of the property and the value of possessions.

Cover is subject to underwriting and terms and conditions.
As with all insurance policies, conditions and exclusions will apply.

Landlord Insurance

Landlord insurance is designed for property owners who rent out residential property. It provides cover tailored to the specific risks landlords face.

Landlord insurance may include:

• Buildings cover
• Landlord contents cover
• Loss of rent
• Property owner liability
• Legal expenses

Cover can be arranged for single properties or portfolios and may vary depending on tenant type and property use.

Landlord insurance does not replace the need for appropriate mortgage arrangements and should be reviewed alongside buy to let lending.

Cover is subject to underwriting and terms and conditions.
As with all insurance policies, conditions and exclusions will apply.