Although nobody likes to contemplate their own death or serious illness; when needed, having in place the right protection plans can have a profound impact on your own standard of living should you fall ill or of those you leave behind in the event of your death.

Whilst life assurance is generally considered to be a simple financial product, there are many types of policy and big differences between the types of cover and the size of the premiums. We help our customers understand their protection requirements, the sums assured needed and help them put in place the right cover for them.

We offer a wide-range of cover options, including:

  • Life assurance – both term and whole-of-life
  • Mortgage
  • Critical illness
  • Family income benefit

Many of which can be written on single or joint life basis. We can also arrange income protection plans and private medical insurance.

As well as recommending appropriate cover, we also help you through the underwriting process and, where necessary, help to establish policies in trust to help with probate and tax planning.

We also advise on business protection, such as shareholder, loan, keyman cover and group private medical plans. We provide help to ensure these are set-up in the most tax efficient way.