Life Insurance.
Life insurance – protect what matters most
Life insurance is a safety net designed to help protect your loved ones financially if you pass away during the policy term, or if you’re diagnosed with a terminal illness and are not expected to live beyond the next 12 months.
With a life insurance policy in place, your family could receive a lump-sum payment that helps them maintain their quality of life, pay the mortgage, cover household bills, and keep day-to-day costs manageable.
Why choose life insurance?
Financial security for your loved ones
Should the worst happen, a life insurance payout can help ensure that your dependants aren’t left.
Peace of Mind
Life is unpredictable. Having a life insurance policy means knowing that those you care about will have financial protection even when you’re no longer there.
Flexibility & Affordability
Good life insurance providers offer different levels of cover, start from modest premiums and allow you to choose how much cover you need and for how long.
Life may be uncertain. Their security doesn’t have to be.
How it Works: Simple, Clear, Transparent
Choose your level of cover
Decide on the amount of money you’d like your family to receive if a claim becomes payable and how long you want the policy to run.
Select your policy type
You can cover just yourself, or take out a joint policy with your partner. A joint policy pays out once (on the first claim) and then ends.
Choose your cover style
Level cover: The lump sum remains the same throughout the term.
Decreasing cover: The payout amount reduces over time, often used to match a repayment mortgage, so the cover decreases as the mortgage debt decreases.
Understand what's covered
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The policy pays out on death (or terminal illness where life expectancy is short).
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It’s not a savings or investment plan i.e. there is no cash-in value if no claim is made.
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If premiums stop being paid, or if the policy is cancelled, cover ends and no payout will be made.
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Where applicable, suicide or self-inflicted injury within the first 12 months may not be covered.
Who needs life insurance?
Life insurance isn’t one-size-fits-all, it tends to make sense if you:
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Are a homeowner with a mortgage, or planning to get one.
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Have dependants (children, partner, or others who rely on your income).
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Have debts or financial commitments you don’t want passed on to loved ones.
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Want to give your family peace of mind and financial stability for the future.
If you’re single, debt-free, and financially independent, your need may be lower. But for most families, life insurance can offer meaningful protection against uncertainty.
Not what you’re looking for?
There are lots of protection options available, we can offer them as a stand alone policy or we can tailor a policy to suit your needs.
Income Protection
Pays out if you are sick or injured and cannot work.
Critical Illness
Pays out when you are diagnosed with one of the illnesses covered.
Private Medical
Consultations, diagnosis & treatment for minor or major medical conditions.