Life cover is one of the most crucial types of insurance. In the unfortunate event of a policyholder's death, mortgage life cover provides a lump sum payout to ensure the mortgage is paid off, preventing financial hardship for dependents.

This cover can be arranged as either level-term or decreasing-term, based on your needs.

Critical or Serious Illness Cover is there to pay a lump sum payment if the policyholder is diagnosed with a serious illness covered under the policy.

It can be combined with life cover or taken out separately and can be arranged on a level term or decreasing term basis.

It helps cover mortgage payments, medical costs, or other essential expenses during recovery.

You can choose between two levels of cover: 

Level-Term Cover, where the lump sum payout remains constant throughout the policy's life, ideal for interest-only mortgages or extra financial security; 

and:

Decreasing-Term Cover, where the payout diminishes over time, matching the decreasing balance of a repayment mortgage, making it a more economical choice.

We'll guide you in selecting the appropriate level of cover based on your needs and budget.

Family protection ensures that your loved ones are financially secure in the event of unexpected circumstances, helping cover living costs, education, and household expenses.

Family Life Insurance: Pays out a lump sum if the policyholder passes away, helping cover living expenses, debts, and future financial goals.

Critical Illness Cover for Families: Provides financial support if a parent or child is diagnosed with a serious illness, covering medical costs and household expenses.

Income Protection for Families: Replaces lost income if the primary earner is unable to work due to illness or injury, ensuring financial stability.

Income protection provides a replacement income if you’re unable to work due to illness or injury, ensuring you can meet your mortgage payments and other financial commitments.

Pays out a percentage of your income (typically up to 70%) after a deferred period.

The benefits continue until you return to work, reach retirement age, or the policy term ends.

Covers a wide range of illnesses and injuries, offering more flexibility than critical illness cover.

Can be tailored with short-term or long-term options depending on your needs and budget.