Types of Cover
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Life Cover
What would happen to your family’s finances if you weren’t here?
Life cover pays out a lump sum or regular income if you pass away or are diagnosed with a terminal illness. It can clear the mortgage, replace lost income, or even cover an inheritance tax bill – giving your loved ones security and peace of mind when they need it most.
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Income Protection
Income protection makes sure life carries on financially, even when you can’t work. It replaces part of your salary if sickness or accident keeps you off work, helping you stay on top of the mortgage, bills, and day-to-day living costs. Often called Permanent Health Insurance, it can protect you right through to retirement – so you can focus on recovery, not money worries.
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Critical Illness Cover
How would you cope financially if you were diagnosed with a serious illness?
Critical illness cover pays a tax-free lump sum if you’re diagnosed with one of a list of specified conditions. That money could help fund treatment, adapt your home, or simply give you breathing space while you recover. It can be set up on its own or added to life cover for extra reassurance.
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Private Medical Insurance
Private medical insurance (PMI) is a policy that covers the cost of private medical treatment for illnesses, injuries, or surgeries, often providing faster access to specialists, diagnostics, and procedures compared to public healthcare systems. It can include benefits like private hospital stays, choice of doctors, and coverage for treatments not fully funded by public health services. Policies can vary, so it’s important to review your terms, coverage limits, and exclusions based on your needs.
