Life Insurance.

The Godfather of protection insurance. Pays out if you die, doesn’t if you don’t, simple.

This is the bedrock of the majority of our clients’ protection planning, and for good reason:

The financial consequences of us no longer being around, if we have people that are dependant on us, are felt not just immediately after we’ve kicked the bucket but for years afterwards.

Whether you are the person that brings home the bacon or the person that cooks it, replacing you and everything you do requires adequate financial protection.  That can be paying off the mortgage, replacing your lost income, having to pay for additional childcare or just leaving a nice lump sum behind.

What are the common types of life insurance?

Life insurance comes in many different forms but here are the four most common:

Level Term

Pick an amount of cover, pick how many years you want it for and the cover will stay the same throughout the term of the policy.

Decreasing Term

Unlike level term this cover will reduce in value over the policy term, much like a repayment mortgage (which is what the majority of people use it for).

Family Income Benefit

Rather than paying a lump sum, this policy will pay a monthly income for however long is left on the policy term.  For example, you want to ensure if you die in the next 20 years your family will receive x amount every month.  You die after 10 years… They’ll be paid x amount a month for the remaining 10 years of the policy.  Works nicely in covering childrens’ dependant years.

Whole of Life Insurance

Does what it says on the tin:  Protects you for your whole life regardless of when you die.

The majority of insurers will also pay out if you are diagnosed with less than 12 months to live. It’s vitally important that you ensure there is enough money left behind when you’ve left for the pearly gates.

…That’s where we come in. We love to give advice, it’s what we do best. Our experts will ensure that you have cover which is tailored to your own circumstances.

Find a comparison site that’ll tell you how much cover you need, we dare you!

Speak to us about protecting what matters most.

If you're interested in protecting what matters most and securing your family or business financial future, we're here to help.

We're experts in what we do and will provide a solution tailored to you and your requirements. Our team of experts will work closely with you to find the right coverage at the right price. Get started today.

What’s covered with life insurance?

We can tailor policies to suit you and your needs. But cover generally includes:

  • A lump sum paid after a successful claim for an amount you would like to be covered for or we advise.
  • Terminal illness: Receive your lump sum payment early if you’re diagnosed with a terminal illness that meets our definition and you’re not expected to live longer than 12 months. Once payment is made your policy will end and no further claims will be paid.
  • Length of cover: Choose the length of cover to suit you – from short-term to 50 years, or until you’re 90 years old.
  • Protection if you die: We’ll pay a lump sum if you pass away during the policy term – simple as that.

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.