Personal protection

Personal protection

There are various ways you can protect yourself and your family should you die, suffer a critical illness or be unable to work due to long-term accident or illness.

Life assurance

Life assurance is designed to provide your family with a lump sum should you die during a predetermined period (generally the term of the policy).

Cover can be level, increasing or decreasing. Level cover will provide a fixed payout throughout the term whereas payouts from decreasing cover will diminish over time.

Cover can be set up for as long as you need.

Usually there is no cash in or surrender value so at the end of the policy term, the cover will lapse without value.

There are other options available which we can discuss with you.

Income protection

Income protection is designed to provide you with a regular income to replace your earned income if you are unable to work due to long-term accident or illness.

You decide how long you would like to wait for cover to be paid out and at what age you want cover to stop. The shorter the time before cover starts to pay out, the more expensive the premium. Cover can be level or increasing and if you claim, benefits are paid out until the plan expires or you return to work, whichever is earlier.

Talk to us about your protection options. 

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