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Life assurance provides a tax-free lump sum or income to your loved ones if you pass away during the length of the policy. This can help cover funeral costs, mortgage payments, and provide ongoing income.

Level term assurance offers a fixed payout amount for the entire term of the policy. Decreasing term reduces the payout amount over the term of the policy, often to cover a debt that reduces over time.

Critical illness cover pays out a tax-free lump sum if you are diagnosed with one of the covered conditions during the length of the policy. This can help cover loss of income and pay for treatment.

Most providers cover all major illnesses including cancer, heart attack, stroke, multiple sclerosis, Parkinson’s disease, and over 30 more serious conditions. See our policy documents for full details.

Income protection pays a monthly income if you cannot work due to illness or injury. You select the cover amount based on your income and needs. Benefits continue until retirement, return to work or the end of the policy term.

We assess income protection claims based on medical evidence of your inability to perform your occupation. We may require doctor examinations and certification. Claim decisions aim to be made quickly.

You can get a quote on our website by using our quick enquiry form. Simply provide some basic details and we will research live quotes for coverage amounts and terms.

Your premium payments are made by direct debit only

Yes, most providers offer a small multi-policy discount when you combine two or more protection products with them.

You can apply anytime to increase your life, critical illness and income protection covers as your needs change, such as getting married, having children, or increasing your mortgage under the policies “guaranteed insurability” option

Not all policies may allow this, this will depend on the terms of your policy.

To make a claim, Contact your provider immediately and they will send you the forms and documentation needed to submit your claim for assessment and help you with the process.

Yes, most providers life and critical illness plans allow you to increase your cover every few years without additional medical checks. This guarantees you can get more cover as your needs grow.

We may still be able to offer coverage if you have a pre-existing condition, depending on its severity and your overall health. We assess each application individually but this is down to the provider.

Please speak to our adviser for guidance.

Critical illness plans cover around 40 conditions including all major illnesses such as cancer, heart attack, stroke, MS, Parkinson’s, dementia and more. We advise some of the most comprehensive coverage on the market.

There are some conditions and circumstances that cannot be covered such as intentionally self-inflicted injuries, uninsured hazardous activities, pre-existing conditions if undisclosed, and non-medical claims reasons. See the policy documents for full details.

Yes, you can take out a joint life policy that covers both you and your spouse and pays benefit upon the first death. This can be a cost-effective way to get life cover for couples.

We advise several add-ons such as accident protection, family income benefit, critical illness for children, funeral cover, and terminal illness benefit. Please contact us to discuss add-ons for your plan.

You can cancel your policy anytime by contacting your provider. Changes such as amending cover amounts, terms, or payment details can also be requested by phone, email, or in writing.

With some policies, you can select indexation at the start of your policy to automatically increase cover amounts by 2-5% each year keeping pace with inflation. This incurs a small additional premium increase annually.

Yes, we have dedicated business protection specialist who can provide tailored life, critical illness, income protection, shareholder and partnership protection for businesses of any size.

Please check our website where we have extensive resources about how different protection policies work, product guides, customer stories, and frequently asked questions. Or contact us anytime for personalised help.

Absolutely, our adviser can put together combined quotes for life insurance that covers both you and your spouse or partner. They can also quote for critical illness and income protection for the whole family.

Once you apply and complete any medical assessments needed, we’ll issue policy documents outlining coverage details. We’ll work with you to set up preferred payment methods. Your policy starts as soon as the first payment is received.

You can contact us at anytime to discuss your coverage and arrangements. We recommend an annual protection plan review to ensure it still meets your needs as circumstances change. Reviews can often be done over the phone.