Protect What Matters Most
Protecting what matters most begins with a clear plan and the right cover.
Protection means having a financial safety net in place so that you, your family and your business stay secure if the unexpected happens. We can help you arrange the right cover across the areas that matter most. Our insurance is your assurance.
Family Protection
Family protection helps make sure your loved ones can maintain their financial security if you die or become seriously ill. It usually brings together three areas of cover:
- Life insurance: pays a lump sum to your family if you die during the policy term. Can be set up on a decreasing, level or increasing basis to suit a mortgage, lost income or a planned inheritance.
- Critical illness cover: pays a tax-free lump sum if you’re diagnosed with a serious illness, to use however you choose.
- Income protection: replaces a proportion of your earnings with a regular payment if illness or injury stops you working.
What the cover can help with
- Repaying or covering a mortgage, or paying rent
- Everyday living costs and household bills
- Additional healthcare and recovery costs
- School fees or childcare costs
Business Protection
The single greatest risk to many businesses is the impact of an owner’s or key person’s illness or death. Few firms have enough cover in place, we can make sure you’re not one of them. Business protection helps your company keep going if an owner, director or key employee suddenly becomes critically ill or passes away.
Without it, the loss of a key person can lead to reduced income and profits, loss of control, damage to reputation and morale, and in the worst cases the closure of the business.
Types of Business Protection
• Key Person Protection: Pays a lump sum directly to the business to help replace a key person and cover lost profit.
• Shareholder & Share Protection: Provides the funds for surviving owners to buy a deceased owner’s share, keeping ownership and control where it belongs.
