We help you work out how your household would manage financially if you died or became too ill to work. We look at your existing cover and compare policies to address any gaps.
We ask about your household finances and existing policies before recommending cover. We also discuss what you can afford to pay each month.
Term life insurance can pay a lump sum if you die during the policy term, subject to its conditions. We help you work out how much your family would need to cover the mortgage and other living costs, and how long the cover should last.
Critical illness cover can pay a lump sum if you are diagnosed with a condition that meets the policy's definition. We compare those definitions and exclusions, and explain how they affect the cover you are considering.
Income protection can replace part of your income if illness or injury stops you working, subject to the policy's terms. We look at your sick pay and savings when choosing the waiting period before payments start, and explain how long payments can continue.
Family income benefit can provide regular payments if you die during the policy term. Whole-of-life cover can pay a lump sum whenever you die, provided the policy remains in force and its terms are met. We explain the costs and when each type may be useful.
We ask who relies on your income and how long your savings or sick pay would last. Have details of any existing policies and cover through work ready for the first call.
We compare insurers' policy terms and premiums. We explain the definitions and exclusions that could affect a claim.
We recommend an amount of cover and explain how long it should last. For life insurance, we also discuss whether putting the policy in trust could suit your circumstances.
We can review your cover when your circumstances change, such as after a move or a change in income. That includes checking benefits provided by your employer.
It depends on who would be affected financially if you died. We look at your mortgage and household costs, and check any existing cover or benefits through work. That helps us explain whether additional cover would be useful.
Critical illness cover can pay a lump sum for a condition that meets the policy's definition. Income protection can pay a regular income if illness or injury prevents you from working under the terms of the policy. We explain the waiting periods and limits as well as the cost.
The cost depends on the policy, insurer and your circumstances. We compare premiums alongside the cover provided and explain any fees before you proceed, so you can assess the overall cost.
A trust is a legal arrangement that lets you specify who should benefit from a life insurance policy. It can help a payout reach them without waiting for probate. Its suitability depends on your circumstances, so we explain the options and when you may need legal or tax advice.
Tell us what cover you want to discuss. We'll reply within one business day to arrange your free initial consultation.