YOUR PROTECTION
YOUR PROTECTION
Your home is likely your biggest investment. Let's make sure you, your family, and your income are protected — whatever life throws at you.
If you were too ill or injured to work, how would you pay your mortgage and bills? Income Protection is a personal sick pay that replaces your income — typically up to 60–70% of your salary — for as long as you need it, right up until retirement if necessary.
Unlike other policies that pay out once, Income Protection can pay out every month, every time you need it. It covers almost any illness or injury that stops you working, from mental health conditions to back problems to serious diagnoses.
"Income Protection is often the policy that pays out the most and protects clients for the longest."
It's the foundation of a good protection plan, and in our view, the single most important policy to have alongside your mortgage.
Life Insurance provides a lump sum to your loved ones if you pass away during the term of the policy. It's designed to make sure your mortgage could be repaid and your family wouldn't face financial hardship at the worst possible time.
Policies can be set up to cover just your mortgage balance (decreasing term) or to provide a fixed payout regardless of what's left on your mortgage (level term). Many people also choose to place their policy in trust, which keeps the payout out of your estate and speeds up the process for your family.
Critical Illness Cover pays out a tax-free lump sum if you're diagnosed with a serious illness covered by the policy — such as cancer, heart attack, or stroke. This money is yours to use however you need: paying off your mortgage, covering treatment costs, adapting your home, or simply giving you time to recover without financial pressure.
It's often added alongside Life Insurance to provide a broader safety net. While nobody likes to think about the worst happening, having this cover in place can make an enormous difference at a time when you need it most.
There's no obligation, and we'll always give you honest, transparent advice.