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Life Assurance is a simple protection policy designed to suit your needs.The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. The money is intended to pay off any outstanding debts and support your dependants financially by providing them with a further lump sum or a regular income if you die, giving you the peace of mind of having those dear to you always protected.

Critical illness gives you a financial cushion to help you absorb the impact of a serious illness. Typically it pays a single lump sum if you are diagnosed with one of the conditions covered by their policy. You can use this money however you want. It can be used to pay off your mortgage. Or you can live on it and support your family. Above all, it can be used to ease any extra worries at a tough time. That means you can focus on getting better, and on spending time with the people who matter.




When you are unable to work due to long term sickness or incapacity you will be covered by income replacement, the benefits allowable are governed by legislation but are around 50% of your max income before deductions, the benefits are paid tax free and are in addition to any incapacity benefits that you may receive, giving you stability in a difficult time so you won't fall behind on your financial commitments.

If you are in full time employment you should consider the benefits of a policy to protect your income in the event of redundancy - this kind of policy provides a tax free monthly amount that can be used to help you manage the situation



Mortgage insurance offers you tax free monthly payments that help you pay your mortgage should your income cease for any reason. This could be as a result of long-term illness or an accident that has left you unable to work, or because you have been made redundant. A mortgage payment protection policy could ensure that you don't fall behind on mortgage payments, giving you the peace of mind of having your home always protected.

Signing a Contract
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