Income Protection
A monthly income if illness or injury stops you working, until you recover or retire.
Best for: anyone who would struggle if their pay stopped, especially the self-employed.
Learn morePersonal Cover
Protection for you, your income and the people who depend on you. Every policy is recommended for your situation and explained in plain English.
Not sure which you need? Start with what you're worried about →If You Couldn't Work
Your pay stops, but the bills don't.
Protecting Your Home and Family
A lump sum or income for the people who depend on you.
Decreasing Term Life Insurance
Cover that reduces over time, in line with a repayment mortgage.
Best for: clearing a repayment mortgage at the lowest cost.
Learn moreLevel Term Life Insurance
A fixed lump sum if you die during the policy term.
Best for: interest-only mortgages and leaving a set amount to your family.
Learn moreIncreasing Term Life Insurance
A lump sum that rises each year to help keep pace with inflation.
Best for: longer terms where you want the cover to hold its value.
Learn moreFamily Income Benefit
A regular monthly income for your family instead of one lump sum.
Best for: young families who want to replace a salary month by month.
Learn moreIf You Became Seriously Ill
Money to adapt and recover, without financial pressure.
Critical Illness Cover
A tax-free lump sum if you're diagnosed with a serious illness covered by the policy.
Best for: giving you breathing space to focus on getting better.
Learn moreLater in Life
Cover that lasts, with options for every health situation.
Whole of Life Insurance
A guaranteed payout whenever you die, as long as premiums are paid.
Best for: leaving an inheritance or helping with inheritance tax planning.
Learn moreOver 50s Life Insurance
Acceptance guaranteed within the age range, with no medical questions.
Best for: a simple, fixed amount towards funeral costs or a gift.
Learn moreGuaranteed Acceptance
Life cover with no medical questions for people who have found cover hard to get.
Best for: when health makes standard life insurance difficult.
Learn moreMaking Sure It Goes to the Right People
Not a type of cover, but an important part of it.
Trusts
Puts your policy in trust so the payout goes straight to the people you choose.
Best for: almost every life policy, to avoid delays and potential tax.
Learn moreLet's See What Cover You Actually Need.
A 15-minute call, no pressure and no obligation. If you were introduced by a mortgage broker, we will keep them in the loop.