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life insurance
future plans
If the worst happens and you’re diagnosed with a serious illness, or pass away prematurely, it’s important to make sure you’re covered against the financial impact it could have on your family.
protect your family
Critical Illness and insurance policies pay out a cash lump sum when you are diagnosed with a particular illness or suffer injury from a serious accident. Many insurers also offer Children’s Critical Illness cover at no extra cost. This protects children from 30 days to 21 years of age and up to £50,000 tax-free, per policy, per child.
Life Insurance is a great way to help protect your family from the financial worries they could face if you were no longer around. Life insurance pays out a cash lump sum if you die within the term of the policy.
Tax free income
Family Income Benefit pays a tax-free monthly income rather than a lump sum. This makes it easier to pay for the monthly costs of running your household and covering school fees.
Income protection
How would you pay the bills if you were sick or accidentally injured and couldn’t work? Income protection policies can be straightforward, simple to arrange and individual to you, providing:
- An income to help replace any loss of earnings due to ill health or accidental injury
- An insurance policy that’s affordable and easy to arrange; helping to give peace of mind to you and your family.
- Continued benefits if you go back to work in a reduced capacity, with a reduced salary.
- Tax-free payments under the current rules, although this might change in the future.