Protect what matters most, peace of mind built in.

Critical illness cover pays out a tax-free lump sum if you're diagnosed with a serious illness covered by your policy, such as cancer, a heart attack, or a stroke. It's designed to ease the financial pressure while you focus on recovery — helping cover lost income, mortgage payments, medical costs, or any adjustments needed to your home or lifestyle. No one plans to fall seriously ill, but having this cover in place means you and your family aren't left worrying about money on top of everything else.

Who is this cover for?

• Homeowners with a mortgage, if you're relying on your income to keep up repayments, cover helps protect against missing payments during a serious illness

• Parents and main earners, if your family depends on your income, this cover helps keep things stable while you focus on getting better.

• The self-employed, without sick pay or employer benefits to fall back on, cover offers a safety net that a regular job might otherwise provide.

Life insurance gives your loved ones a financial safety net. Should you pass away during the policy term, it pays out a lump sum to help clear the mortgage, cover bills, or provide lasting stability so your family can stay in their home during a difficult time.

What do we do?

• Talk you through your options and coverage amounts

• What it takes for the insurance to pay out

• Set up a cover which suits YOU

Income protection

Income protection provides a regular, tax-free income if you're unable to work due to illness or injury, replacing a portion of your earnings until you're able to return or the policy term ends. It's designed to keep essential costs, like your mortgage, bills, and everyday living expenses covered when your usual income stops.

This cover is particularly valuable for the self-employed, who don't have employer sick pay to fall back on, as well as main earners and anyone whose household relies heavily on their income continuing.