Tel : 01292 502000 Email :

Tel : 01292 502000

Email :


Life Insurance

Life insurance is a protection against financial loss that would result from the premature death of an insured. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. The death benefit is paid by a life insurer in consideration for premium payments made by the insured.

Whole of Life Cover

Whole-of-life plans are life assurance policies, designed to provide the policyholder with cover for their entire lifetime. The policies only pay out once the policyholder dies, when the policyholder's dependants will receive a lump sum, usually tax-free.

Critical Illness Cover

Critical illness cover, otherwise known as critical illness insurance, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.

Income Protection

Income Protection Insurance is an insurance policy, paying benefits to policyholders who are incapacitated and hence unable to work due to illness or accident.

i. Life Cover (non-investment) and income protection-The plan will have no cash value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

ii. Critical Illness -The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.