From protecting your income to covering your family if the worst happens — our specialists help you understand what you need and put the right protection in place.
Life insurance pays out a tax-free lump sum to your family if you pass away during the policy term. It can clear the mortgage, replace lost income, and give your family the breathing room they need during the hardest time.
For most families it's the foundation of any protection plan — and it's often more affordable than people expect.
What it covers
Tax-free lump sum paid to your family
Can cover your mortgage or rent
Replaces lost income for your partner and children
Flexible cover amounts and policy lengths
Joint or single policies available
Critical illness cover pays out a tax-free lump sum if you're diagnosed with a serious condition like cancer, a heart attack, or a stroke. You can use it however you need — to cover bills, fund private treatment, or simply give yourself time to recover without financial pressure.
For parents especially, this cover can be the difference between keeping life stable and everything falling apart during a health crisis.
What it covers
Lump sum paid on diagnosis of a covered condition
Covers conditions including cancer, heart attack and stroke
Use the money however you need — bills, treatment, time off
Can be combined with life insurance for broader cover
Children's cover often included as standard
If you were unable to work due to illness or injury, how long could your family manage? Income protection pays you a regular monthly income — typically up to 70% of your salary — until you're well enough to return to work or reach retirement age.
It's one of the most overlooked but important protections for working parents — especially if you're self-employed or don't have a strong sick pay package from your employer.
What it covers
Monthly income if you can't work due to illness or injury
Covers up to 70% of your pre-tax salary
Pays out until you return to work or retire
Available for employed and self-employed
Deferred periods to suit your circumstances
Private health insurance gives your family fast access to diagnosis, treatment, and specialist care — without the NHS waiting lists. When your child is unwell or you need urgent attention, private cover means you're seen quickly by the right people.
Policies can cover the whole family under one plan, with options ranging from essential cover to comprehensive packages including mental health support and dental care.
What it covers
Fast access to diagnosis, consultants and treatment
Choice of hospital and specialist
Mental health support often included
Family policies to cover everyone under one plan
Outpatient, inpatient and day-patient options
That's exactly what our specialists are here for. Tell us about your family and we'll connect you with someone who can help you figure out what's right for you — no jargon, no pressure.
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