Term Assurance policies have no surrender value at any time. If no claim is made the policy will cease at the end of the term without value. The cost of this type of life insurance is lower than 'whole of life' policies for a given amount of cover. Term Assurance will normally be for a set term, for example at the end of which it may be that the family will be self-sufficient and not reliant on the person originally insured.

Critical Illness Cover

Have you considered how you will be able to pay your mortgage should you be unable to work due to a critical illness?

A Critical Illness Cover policy will pay off your mortgage should you become critically ill.

Income Protection

Income Protection can help you protect yours and your families standard of living by providing a monthly income should illness or injury prevent you from working.


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