Life Insurance

Life insurance pays out a cash sum if you die or are diagnosed with a terminal illness during the term of the policy.

  • Repay the mortgage, protect your family or cover funeral expenses.
  • Terminal illness benefit included.
  • Life cover can also cover businesses and cover potential inheritance tax liability.
  • Trust advice at no additional cost.
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Critical Illness Insurance

Critical Illness Cover pays out a tax-free sum if you become seriously unwell, helping safeguard you and your family against the resulting financial impact.

  • Cover up to 80 serious illnesses.
  • Pays out a tax-free sum if you become seriously unwell.
  • Pays out up to £25,000 if your child becomes critically ill.
  • Payout could be used to repay the mortgage, settle debts and bills or adapt your home.
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Whole of Life Insurance

Whole of Life Cover will pay out whenever you pass away, as long as your premiums are paid up to date.

  • Cover for the whole of your life.
  • Life insurance for Inheritance Tax Planning, funeral costs or a legacy for loved ones.
  • Index-linked option available.
  • Trust advice at no additional cost.
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Income Protection

Income Protection Insurance pay outs a monthly income if you become unable to work as the result of an accident or sickness.

  • Monthly benefit paid if you’re unable to work due to injury or illness.
  • Tax-free payments equivalent to between 50% and 65% of gross salary.
  • Options for long or short-term policies.

Gift Inter Vivos Insurance

Gift Inter Vivos Insurance is a form of term life insurance that covers the potential Inheritance Tax (IHT) liability created if you give money or other assets away while you are alive.

  • A cash lump sum that is payable on death reduces over the seven year term of the plan.
  • Policy designed to cover inheritance tax liability resulting from a gift.
  • Cover available into your 80s.