FINANCIAL PROTECTION

What is life cover?

Life cover policies take many forms and the choice available to you continues to grow. This means you can access a policy that exactly meets your requirements. Policies will be based on either a regular income or lump-sum benefit being paid if certain conditions are met.

If you have dependants, the sum received could be used to pay ongoing living costs or boost savings for university later on. There are no limitations or restrictions on how funds can be spent.

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Ensuring your family is protected

The best insurance is one we never need to use

There is always a risk that something bad could happen which leads to you either suffering from a serious illness or death. Taking out life cover is one way of ensuring your family receive a cash benefit should the worst happen. For a monthly premium, you can be safe in the knowledge that you have taken steps to ensure your family’s lifestyle is protected.

Payment types from protection policies

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Types of life insurance

Life insurance    
Providing your loved ones with a cash lump sum should you pass away during the term of the policy. Terms available up to 30 years.

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Whole of life cover       
A guaranteed lump sum payable on death that can be used to cover funeral costs for your family. Can be written in trust as part of estate planning.

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Income protection insurance     
Benefit from a regular income should you become unable to work due to illness or injury. ‘Waiver of premium’ cover available.

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Buildings and contents       
Protect your home and personal possessions should be lost, damaged or stolen. Available for personal use and landlords.

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Critical illness cover     
Provides a lump sum payment should you be diagnosed with a serious or life shortening health condition. Up to 60 conditions covered.

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Specialist policies       
Put in place a bespoke insurance policy that is catered to you and your family’s personal needs. Both income and term policies available.

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Benefits of insuring through us

Hassle free

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Risk management

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Wide product choice

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Claim settlements

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Gain insights

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Tailored policies

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Downloadable life cover guides

Providing peace of mind

Insurers offer a wide range of options and it is important to understand the coverage included in each policy type, and to bridge the gap in any shortfall in cover that may occur. Although not compulsory, MPPI is often a reasonable price to pay in order to ensure your property is protected during times of prolonged illness, injury or redundancy.

The level of cover you require will depend on your own circumstances and regular commitments, and will determine the premium required to be paid to the issuer. With large choice comes an opportunity to construct cover that matches your family’s needs on an ongoing basis.

Working with leading insurers

Our panel includes some of the UK’s largest and most recognised insurers. We also work with a number of specialist companies in order to create tailored solutions specific to your requirements.

Comparison websites remain a popular choice by many looking for particular services including insurance and gaining access to personal credit. By working with a broker, you will be able to benefit from their expertise and an understanding of exactly what you are trying to achieve.

Many of the insurers we work with are not accessible ‘on the high street’ and therefore only work with insurance brokers and large institutions. By providing this added choice to our offering, we are able to help you get the right protection in place for you and your family.

Visit our Knowledge Centre

If you have a question, visit our FAQs section. If you cannot find what you are looking for, contact our team for more information.

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Protection insights

Discover your options

Arrange a discovery session to talk to one of our mortgage specialists at a time convenient to you. We understand life is not 9-5, so neither are we.

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