What is it that keeps your possessions, family, home and lifestyle safe - your income. With your income you pay the mortgage and bills, you buy the groceries and you run a car. You enjoy holidays, luxuries and life's extras. But what happens if you fall critically ill or have an accident? Your job may only pay you sick pay for a few weeks or months. How would you cope then? Happily, there are income protection plans available that can protect you and your family against losing your income - plans that will keep safe what's precious to you. So make sure you're protected and speak to your adviser. Life insurance helps you provide financial security for your loved ones if you die or become terminally ill during the course of the plan. • Choose how long you want the plan to last. • Choose the amount of life cover you need for your individual circumstances. • We'll calculate your monthly premium for you, which will remain the same for the duration of the plan.

Who needs it?
If you have a family or partner who are financially dependent on you, or if you have a mortgage then life insurance could be for you.
How much is it?
Life cover can cost as little as £5 a month. Get a personalised life insurance quote now and see for yourself just how much our great value life insurance cover could cost you.


Critical Illness Cover is an insurance plan that pays out a guaranteed cash sum if you're diagnosed as suffering from a specified critical illness, within the term of the plan. The plan has no cash-in value at any time.

Why do I need it?
Should you be unfortunate enough to suffer a critical illness, the last thing you'll want to be worrying about is money. Advances in medical science mean that the chances of surviving a critical illness are improving all the time. The cash sum you'd receive from a critical illness plan could help you through the recovery period.

You may have to reduce your working hours, need to pay for medical care or have to adapt your house to make your day-to-day life easier. A critical illness plan could help all of this and more.


An income protection plan is designed to provide financial support in the event of you suffering a long term illness or disability. It will provide you with an income to help maintain your standard of living for as long as it takes before you are fit enough to get back to work again.
We will help you decide the level of income you require to continue with the lifestyle you and your family have become accustomed to should you suffer a long term illness. We will then based on your current situation help you choose how soon after onset of incapacity you need the income from your plan to start. This period of time is called the deferment period. With most providers you have the choice of 4,13,26 or 52 weeks deferment. After this period of time you will start to receive the benefits of your plan.
Increasing cover : This is where the level of income provided by your plan automatically increases each year during the duration of your claim. The increase amount is typically 5% compound each year to keep up with the cost of living from one year to the next.
Level Cover: This is where the level of income provided by your plan remains level thoughout the duration of your claim.


Pays a cash sum if you die during the term of the plan, if you become critically ill or if you have a specific operation. This cover decreases each month, and is designed to reach zero by the end of the term.
With our plans you can choose to include optional benefits, such as 'Payment protection benefit', 'Waiver of payment benefit' and 'Total permanent disability from performing your own occupation benefit.'
These protection plans are designed to provide valuable benefits in return for regular payments throughout the term of the plan. There is no cash in value at any time. Terms and conditions are available on request.