If you’re looking to protect a mortgage, make sure you leave money behind for loved ones, or other areas such as critical illness cover we have got it covered.

We’ll design a tailor made solution that fits in with your objectives and comes in at a budget that’s affordable.

To find out more about how each cover can help protect you and your family’s future, take a look at the below common questions.



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Life insurance

What is it?

A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term.

With some term insurance policies you can add additional options, for instance critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you die during the term of the policy.

Who is it for?

This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum. Term assurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents. It can be used to cover a mortgage, other loan or to ensure that your family is protected from the effects of having to repay a debt after the main breadwinner has passed away. Our specialist team can help you find the one most suitable to meet your requirements.

Income protection

What is it?

An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age).

This type of plan is quite often seen as the foundation of any financial planning as it is likely that other plans will have to be given up if you do not have sufficient income coming into the household.

Who is it for?

This type of plan is designed for anyone whom is working (employed or self employed). It’s worth pointing out that even if your employer provides sick pay, it is unlikely to last for longer than twelve months and so ongoing protection is essential. Plans can be adapted to fit in with any existing protection you might have. Our specialist team can help you find the one most suitable for your requirements.

The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.

Short Term Income Protection

What is it?

Lifestyle Cover is a short-term income-protection policy.  It pays you a tax-free monthly benefit for up to 12 months if you can’t work due to an accident or sickness or if you become unemployed through no fault of your own.  You can choose a policy that protects you against all of these events, or you can choose a policy to protect you against accident and sickness only, or unemployment only.

You choose a ‘deferrred period’ – this is the initial period of your claim and you get no benefit during this time. You can choose a deferred period, as an example this could be 30, 60 or 90 days for accident or sickness and unemplpyment options. You can also have a longer deferred period of 180 days for accident and sickness cover. We can help you decide which deferred period is best for you and review your circumstances to consider issues like any sick pay you get from your employer or any savings you have.

You can choose the amount of monthly benefit you will receive, which can be up to 65% of your gross monthly income (up to 65% of your wages before income tax and National Insurance contributions have been taken).

There are limits to the cover provided and Insurers won’t cover some circumstances. Please check your policy document or contact us for details.

More information?

Accident, Sickness and Unemployment Cover typically costs £4.71 a month for every £100 of monthly benefit. This is based on a 36-year-old customer choosing £850 of accident, sickness and unemployment monthly benefit with claims paid after a 30-day deferred period. The cost of this insurance depends on a number of factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.

There are other providers of Short-Term Income Protection and other products designed to protect you against loss of income. For impartial advice about this type of insurance, please visit the website

Whole of life protection plan

What is it?

As the name implies, this type of life assurance pays out when you die, whenever that may be. It is usually a more expensive option than term assurance and unlike term assurance, this plan provides cover throughout your life.

Who is it for?

This type of plan can be used for family financial protection, or as part of Inheritance Tax planning by providing funds to help meet IHT bills. Or it can be used for business protection purposes.

This product is not a savings or investment product, and has no cash value unless a valid claim is made.

More information?

For insurance business we arrange policies from a carefully selected panel of insurers. 

As with all insurance policies, conditions and exclusions will apply.


Landlord Insurance

We’re a blend of expert knowledge, skills and passion – and we’d like to think the ultimate formula for the perfect insurance and protection plan.

Critical illness

What is it?

A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often ‘bolted on’ to a life assurance policy as an additional benefit but can also be a standalone plan.

Who is it for?

This type of plan is designed for those individuals or families whom want a lump sum if they are diagnosed with a critical illness. As an example of where this lump sum could be used is to repay a loan, mortgage, or perhaps pay for time off work. The lump sum could even be used to pay for any necessary alterations to your home.

The quality of cover and the illnesses covered can vary significantly between different providers. Our specialist team can help you find the most suitable one that best meets your requirements.

Family protection

Helping to protect the future of your business

When somebody dies or is diagnosed with a critical illness, the bills still keep coming in. The Family and Personal Income Plans can provide a regular, tax free, monthly benefit on your death or diagnosis of a specified critical illness, (if critical illness cover is chosen) during the policy term. This can help your dependants from the time of the claim to the end of the policy term.

Who is it for

The plan is specifically designed for families and those with dependants, who need to ensure a monthly benefit is in place to help those left behind should the worst happen.

These products are not savings or investment products, and have no cash value unless a valid claim is made.

If you choose critical illness cover, the critical illnesses covered include heart-attack, cancer and stroke. However some types of cancer are not included and to make a claim for some illnesses, you need to have permanent symptoms.

More information

More information is available in the Key Features Document.  For insurance business we arrange plans from a carefully selected panel of insurers.

Private medical insurance

Private Medical Insurance (PMI) gives you the reassurance of knowing that, should the need arise; you and your family will get prompt access to private medical treatment.

It’s when you need to make a claim that you realise just how wise investing in health and medical insurance can be.

With NHS hospital waiting lists get longer, most people would prefer to be able to jump to the front of the queue; not join the back of it.

Most PMI policies will give you access to –

  • Dedicated Nurse Service that provides one-to-one telephone-based clinical support and advice for cancer patients and their families.
  • Telephone based health information lines, usually available 24 hours a day.
  • A range of covers allowing you to choose what’s best for you and your family.
  • Private medical treatment at a time that suits you and your family.
  • Hospitals of your choice.

Premiums are worked out on the basis of age and the type of cover required and there is a wide range of different insurances to choose from. At the basic level PMI clicks in when you need specialist treatment or you need to go into hospital. Some policies cover you if the NHS cannot provide treatment within a certain period of time.

At the luxury end of the market there are policies that cover a wide range of medical services such as dentistry, eye care and even spectacles, although the more a policy covers, the higher the premium will be.

PMI business will be done on an introduction only basis and will be referred to a third party.

Buildings & contents insurance

What is it?

If you have a mortgage, your lender will insist that your property (and their security) is protected by buildings insurance. It usually pays out if your property is destroyed by fire, floods or subsidence (although you will need to check if you live on a flood plain, for example). Damage to fixed fittings such as baths and kitchens are often included, as well as sheds, greenhouses and garages.

If you purchase a leasehold property (such as a flat in a block of flats) the freeholder may have arranged buildings insurance for the whole block, in which case you may not need your own buildings policy.

What isn’t covered?

Your cover is based on what your home would cost to rebuild. You can check whether you have enough buildings insurance through the Building Cost Information Service (BCIS) website. It has an online tool to help you calculate the sum you should insure your building(s) for, in case your home has to be entirely rebuilt.

As always feel free to contact us to we can make sure you have the right cover that fits your needs.




With over 10 years of financial services experience, from mortgages to protection, our varied industry knowledge will cater for any financial circumstance you find yourself in.

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