Planning a move abroad?

Undertaking what is required takes a great deal of thoughtful consideration

You’ve always dreamed about living aboard, but how do you make that a reality? The first practical step is to think about where you are in your life and weigh up which options are available to you. Factors like your age, financial situation and skill set will come into play as you consider where to explore long term. More open borders and the need to find work in the wake of the financial crash mean more people live outside the country they were born in than ever before.

Presenteeism during lockdown

Levels reach record highs in organisations as stress at work rises

Unlike absenteeism, presenteeism isn’t always apparent. You know when someone doesn’t show up for work, but you often can’t tell when or how much illness or a medical condition hinders someone’s performance.

Hurting from home

Is the ‘new normal’ having an adverse effect on your health?

More than half of office workers believe their employer should do more to help them work from home during the coronavirus (COVID-19) crisis. This has lead to millions of Britons suffering from pain as a result of their makeshift home offices.

Life insurance protection

COVID-19 pandemic outbreak causing many of us to think about our own mortality

The terrifying daily death tolls resulting from the coronavirus (COVID-19) pandemic outbreak may be causing many of us to think about our own mortality, particularly if we’re responsible for a family or business loans. Increasingly we’re having to think about things we haven’t thought about before – including the unthinkable.

Protect the things that really matter

Choosing the right type of cover in case the unexpected happens

Coronavirus (COVID-19) has exposed – or more accurately, underlined – the importance of life insurance. It’s understandable that we would rather not think of the time when we’re no longer around. But it’s important to protect the things that really matter – like our loved ones, home and lifestyle – in case the unexpected happens.

Providing valuable peace of mind

Choosing the amount of cover you need and how long you need it for

None of us want to think about not being around for our loved ones but life-changing events can occur at any time. The thought of not being around to protect and provide for your loved ones can be a worry.

Term life insurance

Helping you repay a debt, like a mortgage and credit cards, or provide a legacy for your friends and family

Term insurance gives you life cover over a pre-agreed period of time. If you die during this period, your policy pays out a lump sum. This type of cover is useful for providing financial security for your dependents.

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.