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Designed to last as long as you do! This type of policy gives a guaranteed pay-out to your loved ones when you inevitably die with no set term contracted to the policy.

With a Whole of Life policy leaving a guaranteed lump sum behind to your beneficiaries, it is understandable why you would need to set aside more on a monthly basis.

We can help set up a policy if you wish to leave behind a legacy or lump sum for your family to cover such things as funeral costs.

Also known as short term income protection – this policy benefit replaces your income for 12 months should you suffer an accident, are off work with illness or made redundant involuntarily.

Working differently to Income Protection this policy is renewable every 12 months and the majority of policy holders effectively take out this policy to cover their mortgage payments should any of these instances occur.

These particular policies are designed for the older individual – this policy offers a guaranteed pay-out upon death ideally to contribute toward the cost of funeral expenses.

With no medical underwriting involved the policy is automatically accepted and the level of benefit generally depends on how long the policy has been in place.