Protecting you, your family and your lifestyle from life's unexpected events. Below is an overview of the personal protection policies we regularly advise on — each one tailored to your circumstances, budget and long-term goals.
Private medical cover that gives you faster access to diagnosis and treatment, choice of consultant and hospital, and reassurance that you and your family can be seen quickly when it matters most.
- Individual and family policies
- Choice of hospital lists and excess levels
- Outpatient, mental health and therapies add-ons
- Switch cover from existing insurers
A lump sum or income paid to your loved ones if you pass away during the policy term — designed to clear a mortgage, replace lost income, or provide for children and dependants.
- Level, decreasing and family income benefit
- Single and joint life policies
- Mortgage protection cover
- Written in trust for speed and tax efficiency
A tax-free lump sum on diagnosis of a specified serious illness such as cancer, heart attack or stroke — giving you financial breathing space to focus on recovery rather than bills.
- Standalone or combined with life cover
- Adult and children's critical illness benefit
- Comprehensive condition definitions compared
- Reviewable and guaranteed premium options
A regular monthly payment that replaces a portion of your income if you can't work due to illness or injury — paying out until you recover, retire or the policy ends.
- Short-term and long-term plans
- Own occupation definitions where available
- Tailored deferred periods to match sick pay
- Cover for employed, self-employed and contractors
Permanent life cover designed to pay out whenever you pass away — commonly used for inheritance tax planning, funeral costs and leaving a guaranteed legacy to your family.
- Guaranteed sum assured for IHT planning
- Joint life second death structures
- Written in trust to sit outside your estate
- Reviewable and guaranteed premium options
Not sure which cover is right for you?
Speak to one of our advisers for a no-obligation conversation about your circumstances, and we'll recommend the most appropriate protection.
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