Life assurance
Pays out a lump sum on death helping to ensure your family doesn't suffer financial hardship. If you're diagnosed with a terminal illness and have less than 12 months to live, we'll pay the lump sum early to give you a chance to sort out your finances. Life assurance can also be used for inheritance tax planning.
Critical illness
Pays out a lump sum on diagnosis of one of a number of specified critical illnesses. This could be used to pay off your mortgage and protect the long-term security of your family.
Income protection
Pays you a monthly income if you suffer an illness or disability that prevents you from working. This can help make sure you can continue paying the mortgage and bills.
Mortgage Protection
Pays a cash sum if you die during the term of the plan, if you become critically ill or if you have a specific operation. This cover decreases each month, and is designed to reach zero by the end of the term.
Added features
With our plans you can choose to include optional benefits, such as 'Payment protection benefit', 'Waiver of payment benefit' and 'Total permanent disability from performing your own occupation benefit.'
These protection plans are designed to provide valuable benefits in return for regular payments throughout the term of the plan. There's no cash in value at any time. Terms and conditions are available on request.