If your income stopped tomorrow, through death, disability or serious illness, would your family keep their home and their lifestyle? Life cover turns that fear into a plan, with money that arrives exactly when it’s needed.
We hold full accreditation and written authority to market products from these providers
Most families need a blend of these rather than just one. We calculate how much of each you actually need, based on your debt, dependants and lifestyle, so you’re neither exposed nor over-insured.
What it does: pays a lump sum to your family when you die. When it pays: on your death, usually within days of a valid claim. Enough to settle the bond, clear debt and replace your income for years.
What it does: pays a lump sum if illness or injury stops you working permanently. When it pays: on permanent disability. Covers home modifications, medical costs and lost future income.
What it does: pays a lump sum on diagnosis of cancer, a heart attack, stroke and other listed conditions. When it pays: on diagnosis, while you’re still alive and facing the bills.
What it does: replaces your monthly salary if you can’t work due to illness or injury. When it pays: monthly, after a short waiting period. Pays up to 75% of your income until retirement age.
Too little leaves your family exposed; too much wastes money every month. We work it out properly, from the ground up.
A little preparation now avoids a claim dispute later. Here’s what we handle with you.
Insurers assess your health, age and lifestyle upfront. We make sure everything is disclosed correctly, because non-disclosure is the number-one reason valid claims are rejected.
We help you name beneficiaries directly on each policy, so the money bypasses your estate, avoids executor fees and reaches your family within days, not months.
Marriage, a new baby, a bigger bond, a business. Each changes what you need. We review your cover every year so it grows with your life.
“When my husband passed, the claim was paid without a fight and the will was already in order. I can’t describe how much that mattered in those weeks.”
From life and funeral cover to income, education and business protection, we help you put the right safety nets in place, without complexity or pressure. Every product below is compared across the insurers we hold written authority with.
Running a business? See how these fit together on our business assurance page.
In one free consultation we’ll show you exactly where you’re exposed, and what it would cost to close the gap.
