News & Useful Information

The Core Protection Policies Explained

Each family has unique financial needs, and we ensure that you have access to the best policies that suit your specific circumstances. Here’s how our core products can act as your financial lifeline:

1. Income Protection: A Key Part of Your Family’s Financial Lifeline.

If illness or injury prevents you from working, how would your household manage financially? An income protection policy ensures that you continue to receive a significant portion of your salary (up to 75%) until you can return to work. Unlike sick pay, which may be limited, income protection provides long-term security, covering your essential expenses so that you and your family can maintain your standard of living.  With premiums qualifying for tax relief, this could be considerably less expensive than you think.  Income protection is a key part of your family’s financial lifeline.

2. Specified Serious Illness Cover: Financial Support When You Need It Most

A serious illness diagnosis can be life-changing, and the last thing you need is financial stress. With a specified serious illness policy, you receive a lump sum payout if you are diagnosed with a covered condition, such as cancer, heart disease, or stroke. This lump sum can help with medical bills, home adjustments, or simply ensuring your family’s financial stability while you focus on recovery.

3. Life Assurance: Protecting Your Loved Ones’ Future

No one likes to think about the unexpected, but having a life assurance policy ensures that your family is financially secure if the worst happens. A lump sum payment on death provides your loved ones with the means to cover expenses such as mortgage payments, daily living costs, and even future education expenses for your children. This is one of the most important financial safeguards you can put in place for your family.