Life Term Assurance

Life Term Assurance – These are policies that will payout a pre-agreed amount as a lump sum in the event of your death within a specified term.

Critical Illness

Critical Illness – Is the payment of a lump sum benefit on diagnosis of a pre-defined serious illness such as heart attack, cancer or stroke. This can be used to repay your mortgage or fund any required home improvements at this difficult time.


Whole of Life

Whole of Life – The payment of a lump sum benefit in the event of your death at anytime.


Income Replacement

Income Replacement – This pays you a regular tax free monthly income if you are unable to work due to long term illness or injury. This is payable after an initial deferred period and will continue until you return to work, retire, reach the policy end date or on death.


Private Medical Insurance

Private Medical Insurance – This gives you access to private health care rather than the NHS in the event of illness or injury.



Past performance is not a guide to the future.  Prices can go down as well as up.  Investment returns may fluctuate and are not guaranteed.