Protection

Critical Illness

Critical Illness cover is a form of financial safeguarding that disburses a predetermined sum upon the diagnosis of a Critical Illness. While most providers include an extensive list of covered illnesses, certain providers may extend coverage to illnesses that others do not. Just like with mortgages, a plethora of providers exists, each with its own set of benefits and advantages. Seeking advice is essential to identify the provider and policy that best suits your needs.

Decreasing Term and
Level Term

This form of insurance is commonly used to safeguard your mortgage debt.

Reducing coverage is more economical and entails a decrease in the insured amount annually, usually corresponding to your remaining mortgage balance.

Fixed coverage means that the insured amount remains constant throughout the mortgage term. In the event of a claim, the mortgage balance is likely to be lower than the total paid out, potentially resulting in a surplus for you.

Critical Illness coverage can be added to either option above. This plan would provide a payout upon the diagnosis of a qualifying critical illness within the specified term. Providers’ plans and terms vary in terms of the number of conditions covered, benefits, and advantages. Given the abundance of plans available, it is crucial to seek guidance from a specialised protection adviser.

Whole of Life Cover

Secure your family’s future with our comprehensive Whole of Life Cover insurance. Unlike Term Life Insurance policies which expire after a set period, our Whole of Life Cover provides lifelong protection, ensuring your loved ones are financially supported no matter what life brings. With guaranteed payouts upon death, our policy offers peace of mind, allowing you to plan for the long term with confidence. Tailored to meet your individual needs, our Whole of Life Cover offers flexible options, including the ability to adjust coverage as circumstances change.

Family Protection

Protect your family’s financial security with our comprehensive Family Protection insurance. Our policy provides a safety net for your loved ones, ensuring they are safeguarded against life’s uncertainties. With Family Protection, you can rest assured that your spouse, children, and dependents will be taken care of in the event of your untimely passing. Offering a range of customisable options, our policy allows you to tailor coverage to suit your family’s specific needs and circumstances. Whether it’s paying off the mortgage, covering living expenses, or funding education costs, our Family Protection insurance provides peace of mind and financial stability during challenging times.