Protection Products
- Level Term Assurance
A level-term policy pays out a lump sum if you die within the specified term. The amount you're covered for remains level throughout the term – hence the name. The monthly or annual premiums you pay usually stay the same, too. Level-term policies can be a good option for family protection, where you want to leave a lump sum that your family can invest to live on after you've gone. It can also be a good option if you need a specified amount of cover for a certain length of time, e.g. to cover an interest-only mortgage that's not covered by an endowment policy. - Critical Illness
Critical illness cover pays out a cash lump sum if you're diagnosed with one of a number of listed critical illnesses, including some types of cancer, a heart attack or stroke, multiple sclerosis or the loss of limbs. The illnesses covered, and illnesses excluded from cover, vary widely between insurers, so it's vital that you take advice before buying a policy and carefully check the policy documentation. Pre-existing conditions tend to be excluded, but some insurers will base cover on your personal medical history. - Income Protection
Formerly known as permanent health insurance (PHI), long-term income protection (IP) is an insurance policy that pays out if you're unable to work due to injury or illness. IP usually pays out until retirement, death or your return to work, although short-term IP policies are now available at a lower cost. IP doesn’t usually pay out if you're made redundant, but will often provide 'back to work' help if you're off sick. - Renewable Term Assurance
It is Level Term assurance but gives you the opportunity to continue your policy regardless of your state of health at the point of renewal. You set up your initial policy, for example 10 years, but include the option to renew.
- Whole of Life
As the name suggests, whole-of-life policies are ongoing policies that pay out when you die,whenever that is. Because it's guaranteed that you'll die at some point (and therefore that the policywill have to pay out), these policies are more expensive than term assurance policies, which only payout if you die within a certain timeframe. - Private Medical Insurance
Private medical insurance (PMI) allows you to avoid NHS waiting lists and receive fast-track consultations and private treatment for short-term, curable medical problems. You are treated privately in an NHS hospital or in a private hospital. PMI doesn’t cover every medical eventuality, however, so it's important to check your policy details. - Family Income Protection
Family income benefit life insurance is a type of decreasing term policy. Instead of a lump sum, though, it pays out a regular income to your beneficiaries until the policy's expiry date if you die. The upside of family income benefit is that it's easier to work out how much you need. For example, if you take home £2,000 a month, you can arrange for the same amount to be paid out to your family if you die. However, there is a downside too. If you die two years into a 20-year family income benefit policy, your family could get £2,000 a month for 18 years. But if you die a year before the policy ends, your family gets £2,000 a month for just one year. - Decreasing Term Assurance
With a decreasing-term policy, the amount you're covered for decreases over the term of the policy. These policies are often used to cover a debt that reduces over time, such as a repayment mortgages. Premiums are usually significantly cheaper than for level-term cover as the amount insured reduces as time goes on. Decreasing-term insurance policies can also be used for inheritance tax planning purposes.
- Relevant Life
It is a life insurance policy available to employers to provide an individual death-in-service benefit for an employee. It can help smaller businesses attract and retain high-calibre staff by offering them attractive benefits packages that are also tax efficient. - Business Protection
Many businesses try to protect themselves against every eventuality — buying insurance for their buildings, contents, vehicles and protecting their potential liabilities. But what would happen if your business lost a key employee? Business protection solutions could be the one thing that keeps your business going if the worst happened. Whether you need to insure your business or key person being ill or dying, our Business Protection assurance can help. - Over 50s
Guaranteed 50 Plus Life Cover is a pure-protection whole of life assurance product that's designed for clients who are UK residents aged between 50 and 80. - General Insurance otherwise known as Home Insurance.
Home Insurance Choices is an annually renewable contract buildings and contents insurance contract that looks at the individual characteristics of household risk. From a burglary to a burst pipe, we offer a wide range of cover options that give your clients excellent value, with trace and access, home emergency and basic accidental damage covered as standard.
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