Personal Protection
Cover for you and your family

1. Life insurance
Life insurance can provide money for your loved ones if you die during the policy term. It can help with a mortgage, household bills or other commitments. We’ll discuss who depends on you, how much cover you need and how long it should last.

2. Critical illness cover
This can pay a lump sum if you are diagnosed with a serious illness covered by the policy and meet its definition. It could help reduce your mortgage or give you financial breathing space. The illnesses covered and the conditions for a claim vary between policies.

3. Income protection
If illness or injury stops you working, income protection can replace part of your income after an agreed waiting period. We’ll consider your sick pay, savings and monthly outgoings, then explain how much a policy could pay and for how long.

4. Cover that fits your circumstances
We’ll review your existing cover, priorities and budget, and explain suitable options, premiums and exclusions. Applications may involve health and lifestyle questions. As your family, work or mortgage changes, we can help you review your protection.