Protection

Critical illness cover can be arranged in the same way as Life Insurance, however it covers you in the event you are diagnosed with a named critical illness (for example, Cancer, Stroke, Heart Attack). It can be used for many purposes, such as paying off the mortgage, providing a lump sum to make amendments to your property to cope with life changes from the illness, provide a lump sum to cover living costs whilst you fight your illness, or even provide a sum of money to just enjoy the time left if the condition is terminal.

Income Protection allows you to replace a proportion of the income lost if you are unable to work through accident or illness. Specificially important to Self Employed workers who wont have access to any sick pay arrangements, or for those where the employer only allows statuatory sick pay – Think of it as a way to continue to receive income if you are unable to work, in order to keep the mortgage and bills paid – taking the stress out of life so you can focus on getting well again.

If you have a mortgage, you will need at least Buildings Insurance to cover any damage to the fabric of the building. Contents Insurance covers everything inside the house (Carpets, TV’s, Appliances) and even has the ability to cover those high risk items away from the home (such as Rings, Watches, Phones). If you have Buy to Let properties, you need specific Landlord Buildings and Contents insurance, that can offer protection from some of the common issues of being a landlord.

With it becoming harder to get an appointment with your GP, then it takes an age for a referral, Private Medical Insurance is the key to getting the help and support you need quickly when it matters. From help with dental and eye exams, all the way up to providing the facility to have that life saving operation under private healthcare, Private Medical Insurance can be tailored specifically to you and your family needs.

Accident and Sickness policies can cover you if you have to take time off due to an accident or illness. They tend to allow fixed fee payouts for specific items (such as broken limbs or allowances for overnight hospital stays) – Many of the policies that our providers offer have no underwriting and low costs, so if traditional income protection is out of your reach, these policies could be a cost-effective lifeline. We also have policies that specifically cover your children!