Providing protection
for you and your dependents
Critical Illness Cover
Illness is sadly a fact of life. Some illnesses might take a few days to get over but others can be far more serious and involve months or even years of treatment. Critical Illness cover is designed to pay out a lump sum, giving you valuable cash to help you manage through recovery and beyond. The money is tax free and you have total discretion as to how you use it.
Life Insurance
Life Insurance is designed to pay out a lump sum to your loved one’s if you pass away or are diagnosed with a terminal illness with short life expectancy. It can be used to help pay off a mortgage or to provide a regular income for your family.
Income Protection
Income Protection provides a tax-free monthly income if you cannot work due to illness or injury. It typically covers up to 60–70% of gross earnings, with options for short-term (1-2 years) or long-term coverage up to retirement.
These plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document if you go ahead with the plan.
We are covered by the Financial Services Compensation Scheme (FSCS), which covers 90% of a claim, without an upper limit.
The Financial Ombudsman Service is available to mediate individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit: http://www.financial-ombudsman.org.uk/contact/index.html