Life is unpredictable. Our protection products give you and your family financial security when you need it most — so unexpected events don't derail your financial future.
Comprehensive cover designed to protect your income, your family, and your health.
A lump sum paid to your loved ones if you die or are diagnosed with a terminal illness — giving your family financial certainty when they need it most.
Replace up to 70% of your gross income if you can't work due to illness or injury — paid monthly until you recover, retire, or the policy ends.
A tax-free lump sum on diagnosis of one of 50+ serious conditions — including cancer, heart attack, and stroke — so you can focus on recovery, not finances.
Most people insure their cars and their homes — but far fewer protect their most valuable asset: their income. Without it, a serious illness or unexpected death could have catastrophic financial consequences for your family.
Ensure your mortgage and housing costs are covered if you can't work or pass away, so your family stays in their home.
Replace your income for your dependants, so your family's standard of living is maintained even in the worst circumstances.
A lump sum on critical illness diagnosis means you can focus on recovery, not financial pressure.
There's no one-size-fits-all answer — but here are some helpful guidelines to start your thinking.
A common starting point is 10× your annual income, plus any outstanding mortgage or debts. If you have young children, consider adding education costs to the calculation.
Most policies replace up to 70% of your gross income. Consider how long your employer would pay sick pay, and how long your savings would last before you'd need the policy to kick in — this affects the "deferred period" and your premium.
Consider the costs of adapting your home, private treatment, or childcare during a period of illness. Cover of 3–5× annual income is a reasonable starting point, adjusted for your personal circumstances.
Our advisers can review your existing protection arrangements and recommend any gaps that need filling — often finding ways to get more cover for less by restructuring existing policies.
Speak to an adviserSavings can help short-term, but most people don't have enough to replace their income for the months or years a serious illness might take them out of work. Protection insurance is specifically designed to bridge this gap, so your savings stay intact for what you planned them for.
By default, the sum assured is paid to your estate and goes through probate. However, if you write your policy in trust, it can bypass probate and be paid directly to your named beneficiaries — often much faster and without Inheritance Tax. We recommend all life policies be written in trust.
Many people with pre-existing conditions can still get protection cover — though premiums may be higher, or specific conditions may be excluded. Our advisers can search the whole market to find you the most suitable and cost-effective cover given your health history.
Talk to an adviser who can find the right protection for your situation — often in a single conversation.
For illustrative purposes only. Not financial advice.