​Life Cover pays out if the policyholder dies or is diagnosed with a terminal illness. A lump sum is paid to the surviving family members to help cover mortgage payments, debts, and living expenses.

Relevant Life Cover provides tax-efficient Life Cover to business owners and their employees. Money is paid to the family of the deceased as a lump sum through a discretionary trust.

​Buildings Insurance pays out if your property is damaged to cover repairs. Content Insurance pays out if your possessions are damaged, lost or stolen to cover repairs or replacements. Buildings Insurance is required when you take out a mortgage. Content Insurance is not required but is recommended.

Health Insurance, also known as Private Medical Insurance, gives you and your family instant access to private health care at an affordable price.  personal health care whenever you need it. 

​Critical Illness Cover pays out if the policyholder becomes critically ill or injured. The money is paid as a lump sum, to help with treatment and recovery costs, mortgage payments, debts, and living expenses.

​Income Protection Insurance pays out if the policyholder is unable to work due to illness or injury. You can receive up to 60% of your gross income (tax-free) as monthly payments throughout the term of the policy.

Family Income Benefit pays out on the death of the policyholder. Money is paid out as monthly income for the duration of the term, usually until the children reach working age. It’s often taken out alongside Life Cover to provide short and long-term financial support.

A Trust holds assets on behalf of the beneficiary. They prevent these assets from being liable for inheritance tax. They also allow for claims to be paid without having to wait until probate is granted.