Life Cover:
This offers you and your family financial protection
when you need it most. It will provide a cash lump sum
or a guaranteed income on death, for the equivalent
of a few pounds per week.
Critical Illness Cover:
Is designed to provide a lump sum cash benefit to help
relieve financial pressure following a critical illness
or permanent total disability. How the money is spent
is entirely up to you.
Life or Earlier Critical Illness:
This is a combination of Life Cover and Critical Illness
Cover. It offers you and your family financial protection
and is designed to provide a cash lump sum on death
or earlier if you suffer a critical illness or permanent
total disability.
Income Protection Cover:
Provides you with an income to help you maintain your
standard of living, if you are unable to work due to
accident or illness.
Houseperson’s Cover:
This provides a regular income to cover the cost of
child care, invalid care or household help, if you are
incapacitated and meet certain incapacity assessment
criteria.
Accident, Sickness and Unemployment
Cover:
Is designed to protect your mortgage payments. It will
provide you with a regular income alleviating financial
worries during this difficult time.
Pension Contribution Protection
Benefit:
This benefit is designed to provide protection for your
individual personal pension payments or stakeholder
pension contributions if you suffer a long term disability
as a result of sickness or accident.
This type of cover can help to protect your retirement
ambitions.
Waiver Benefit:
This optional benefit ensures that your payments for
Life Cover, Critical Illness Cover and Life or Earlier
Critical Illness Cover are waived if illness or accident
prevents you from working for at least six months, or
you meet certain incapacity assessment criteria.
Summary
With our help you can choose which types of cover you
need, how much you need and for how long. We understand
that your personal circumstances will change over the
years, and through regular
discussions and reviews we will help you to provide
cover for all of your protection needs.
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