Protection
Safeguard your family, income, and lifestyle with tailored insurance solutions that provide financial security when life takes an unexpected turn.
The right protection plan means peace of mind — if illness, accident, or loss strikes, your finances and family are secure.
Types of Protection
Life Insurance
- Lump sum or income to your loved ones if you die during the policy term.
- Options: level term, decreasing term (for mortgages), or whole of life.
Critical Illness Cover
- Lump sum on diagnosis of specified serious conditions (e.g., cancer, stroke, heart attack).
- Can be combined with life cover.
Income Protection
- Replaces part of your income if illness or injury stops you working.
- Pays until recovery, retirement age, or policy end (depending on terms).
Family Income Benefit
- Pays a regular monthly income to your dependants instead of a lump sum.
Mortgage Protection
- Designed to clear the mortgage on death or specified critical illness (policy dependent).
We compare leading insurers to tailor cover levels and budgets, avoiding gaps and overlaps while keeping premiums competitive.
FAQs
How much cover do I need?
It depends on debts, income, dependants, and lifestyle. Many choose life cover of 10–15× annual income; we’ll calculate a figure tailored to you.
Life Insurance vs Critical Illness — what’s the difference?
Life Insurance pays on death; Critical Illness pays a lump sum on diagnosis of a covered serious illness. Many choose a combined policy.
Does Income Protection cover redundancy?
No. It covers inability to work due to illness or injury. Some insurers offer separate unemployment cover.
Can I adjust my protection later?
Yes. Policies can often be reviewed after life events (marriage, children, new home) to keep cover aligned with your needs.
How are premiums set?
Age, health, smoker status, occupation, cover amount and term all affect cost. We’ll compare the market for the best fit.
The value of protection policies depends on your individual circumstances, and cover will cease if you stop paying premiums. Ensure your protection matches your financial needs and commitments.