Life Insurance can provide a financial safety net for your family and dependants if you pass away. Your family would usually receive a lump sum to pay off any debts, like a mortgage or provide a regular income for them instead.

If you are diagnosed with a critical illness, it can have a severe impact on your finances as you may need to take time off work for your treatment and recovery. Critical illness insurance is designed to help, paying out a tax-free lump sum payment when you are diagnosed with one of the specific critical illnesses covered by your policy.

Life insurance policies typically pay out a lump sum to the policyholder's beneficiaries following his or her death. But if you think your family would benefit more from a regular income rather than a large windfall, you can opt for a life insurance policy with a family income benefit - one that delivers regular (monthly or annual), fixed, tax-free payments should you die during the policy term.

Income Protection Insurance, also called Permanent Health Insurance, will pay you an agreed proportion of your salary each month if you are unable to work because of injury or illness. Income protection usually pays out until retirement, death or your return to work, although short-term income protection policies, which last for one or two years, are also available at a lower cost.

Accident, sickness, and unemployment insurance is a type of income protection to cover you financially in times where you may be unable to work. This includes absences due to illness or injury, being made redundant, or losing a job through no fault of your own. The payments under an ASU cover are generally for a fixed period of up to 12 or 24 months.

Buildings Insurance covers your property from fire, floods, storm, subsidence, or vandalism protecting the structure and fixture and fittings. Mortgage lenders will insist Buildings Insurance is in place upon exchange of sale contracts as one of the conditions of their loan. We will take this worry away and provide you with competitively priced superior cover, using our panel of providers.

Landlords Property Insurance is strongly recommended to all landlords or anyone who rents a property to tenants. We can also provide you with legal expenses and rental guarantee insurance, should you have problems in evicting a tenant due to non-payment of rent.

Whether you are a homeowner or a tenant, we can organise contents insurance for you. Contents Insurance protects most of your belongings from events outside of your control, including water leaks, theft, fire, storms and floods. Additional cover options include accidental damage and specific cover for any valuable items like jewellery or watches.