Whole-of-life insurance

Cover to protect you for your entire life

You may not think you need as much life insurance once you’ve retired or paid off your mortgage. But the need for cover doesn’t end. Whole-of-life insurance is cover that will pay out when you die, no matter what your age is.

Critical illness cover

Extra protection for you and your loved ones

Critical illness cover can help minimise the financial impact on you and your family if you become critically ill. Being diagnosed with a critical illness can affect anyone at any age, strike at any time and can turn lives upside down.

Income protection insurance

How would you pay the bills if you were sick or injured and couldn’t work?

Being unable to work can quickly turn your world upside down. If you couldn’t work due to an accident, sickness or redundancy, you may need to support yourself financially for a long period of time.

Added value support

Employer-provided income protection

While the financial benefits are usually the main reason why people choose to protect their income, income protection products frequently come with a wide range of added value support. This type of support – for both the employer and employee – usually comes as part of the policy and doesn’t cost anything extra.

Private medical insurance

Helping you get the treatment you need quickly at a difficult time

Private medical insurance offers you reassurance when it comes to your health. If you become ill then you will have fast access to treatment, meaning you can get better sooner.

Living with long-term care needs

Covering the cost of your care depends on several unknowns

With the UK’s population ageing, more people will be living with long-term care needs. This means that as we approach old age, it becomes more likely that we may need day-to-day help with certain activities like washing and dressing, or assistance with household tasks, such as cleaning and cooking. This type of support, along with some types of medical assistance, is called long-term care.

Making a Will

Have you decided what happens to your money, property and possessions after your death?

Since the outbreak of coronavirus (COVID-19), the number of people seeking to write new Wills has risen by over 30%, according to The Law Society. Understandably, the current situation is causing angst among people, particularly elderly and vulnerable clients who are currently self-isolating.

Lasting Power of Attorney

Peace of mind that there is someone you trust to look after your affairs

A Lasting Power of Attorney (LPA) is a legal document that allows you to appoint one or more people to make decisions on your behalf during your lifetime. The people you appoint to manage your affairs are called the ‘attorneys’.

Inheritance Tax

Passing assets tax-efficiently to the next generation

Making provision for your loved ones after you have gone is an essential part of managing your estate and assets. Death and taxes can’t be avoided, but with careful planning you can pass on your assets to your loved ones so that they can benefit from them in the most tax-efficient way.

Reclaiming Statutory Sick Pay

Coronavirus Support for businesses who are paying sick pay to employees

The Government has brought forward legislation to allow small and medium-sized businesses and employers to reclaim Statutory Sick Pay (SSP) paid for sickness absence due to COVID-19.