Life insurance, Critical Illness Cover and Income Protection all play a key part in ensuring you and your family are covered against the financial impact of death, critical illness, or loss of income due to sickness or an accident.

Types of Personal Insurance

Life Cover

Designed to payout a tax free lump sum in the event of death, providing financial security and peace of mind for your family or loved ones, knowing that any mortgage debt, financial liabilities, loss of income can be covered.

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Critical Illness Cover

Provides a tax free lump sum payout in the event of being diagnosed with one of a predefined list of illnesses, such as cancers, heart conditions or strokes. The lump sum can potentially be used to pay off mortgage debts, maintain cost of living and/or access pioneering medical treatments.

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Inheritance Tax Mitigation

A cover that is designed to protect against a potential Inheritance Tax Liability. The policy provides a lump sum to sit outside your estate in a Trust for your beneficiaries to pay Inheritance Tax that could arise on death.

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Income Protection Cover

Provides a monthly ongoing tax free income in the event that you are signed off work by a medical professional. The benefit is designed to protect your income for the duration of your working life so that if at any point in time you are medically unable to work, you can have the peace of mind of receiving a monthly income until the day you can return to work or retirement age.

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Individual and family Private Medical Cover

Providing fast access to high quality private healthcare, including private hospitals, specialists, GP, consultants diagnostics and treatment, eliminating waiting times on NHS. This provides you with choice, flexibility and speed over your chosen treatment pathway from initial diagnosis all the way through to recovery.

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