Life Cover

Life Insurance?

Life insurance can be a great way to help protect your family financially, should the worst happen. It is designed to pay out a cash sum if you die during the length of the policy, and can be used to help pay the mortgage or help protect the family’s lifestyle and everyday living expenses.

Do I need life insurance?

If other people depend on you financially, then life insurance is definitely something you should consider. Anyone may have a need for life cover; for example, those with children, a mortgage to pay, or a partner, parent or relative who depend on your income.

To help you decide how much life insurance you need, you could consider the following:

  • How much would your family need to maintain their current lifestyles?
  • If you want to specifically protect a mortgage, think about your mortgage amount.
  • If you have children, how much would they need to cover childcare costs or university fees?

Your life insurance premiums depend on your own needs and circumstances. The information that we consider when calculating your premiums include:

  • your age
  • if the policy is in joint or single names
  • your health and lifestyle
  • the amount of cover you need
  • the length of the policy
  • Are you Smoker or non-smoker

Please remember that life insurance is not a savings or investment product and has no cash value unless a valid claim is made.

We can also help you with:

Life Cover

Life insurance can be a great way to help protect your family financially,

Critical Illness Cover

Critical illness insurance, otherwise known as

Income Protection

Income protection insurance is a long-term insurance policy designed to help you

Family Income Benefit

Family income benefit is designed to pay a regular income if you die.

Building and Content

Home insurance protects you from insured events that damage your home or your belongings.

Private Health Insurance

Private Medical Insurance (PMI) is designed to cover the cost of private medical treatment

Relevant Life Cover

A Relevant Life Plan is a term assurance plan available to employers

Business loan protection

Business loan protection provides a lump sum for businesses

Key person protection

When a key person in a business dies it can have a devastating financial effect.

WILLs and Estate Planning

The vast majority of people put off making a Will for a variety of reasons,