Protection

Critical illness cover, also known as critical illness insurance, is a long-term insurance policy which covers serious illnesses listed within a policy. In the event of being diagnosed, the policy will pay out a tax free lump sum, one-off payment.

Do I Need Critical Illness Cover?

The lump sum payment is usually used to cover mortgage debts, allow for time off work and even help with adjustments in your lifestyle depending on the illness.

Income protection protects you against loss of income due to unemployment, illness or accident. This type of insurance will continue to pay out until you are able to return to work until the end date of the policy.

Who Is Suitable For?

This type of plan is for anyone who is earning taxable income. The policy usually pays out for longer than sick pay does from employers.

Mortgage Payment Protection is designed to cover the cost of your mortgage payments in the event of an accident, sickness or unemployment stopping you working.

Is It For You?

This type of protection is designed for people who are worried about not being able to repay their mortgage from losing income due to accident, sickness or unemployment.

Business protection is often forgotten. Providing a lump sum to cover key persons or shareholders in the event of an unexpected situation can help a business minimise disruption to their every day trading.

Different Types Available:

• Keyman Insurance
• Shareholder Protection
• Loan Protection
• Group Benefits