Services — Protection

A financial safety net
for the people you love

Protection plans provide security for you and your family in the event of unemployment, critical illness or death — so life's setbacks don't have to become financial ones.

Life assurance

Pays a tax-free lump sum or income in the event of death. It can ensure those left behind have sufficient capital to repay a mortgage or loan, maintain their standard of living, cover school or university fees, pay an inheritance tax liability or replace maintenance payments.

Critical illness cover

Pays a tax-free lump sum — or a monthly benefit — if you suffer one of a number of specified critical illnesses. It lets you concentrate on treatment and recovery rather than worrying about meeting commitments like a mortgage, day-to-day living costs or school fees.

Income protection

Pays a replacement monthly income if you're unable to work due to ill health or disability — for 2 years, 5 years, or right up to your proposed retirement age. We can also arrange protection for those raising a family rather than in paid employment, to help with costs such as childcare.

Accident, sickness & unemployment

ASU cover pays a replacement monthly income if you're unable to work due to accident, sickness or unemployment — typically for one year, up to a maximum of two.

The right cover, not just any cover

When we arrange your mortgage we'll talk you through which protection fits your circumstances — because the goal isn't simply to have cover, it's to have cover that actually pays out when your family needs it.