Life & protection insurance

What is critical illness cover?

Critical Illness Cover is designed to pay you a lump sum in the event of you suffering from a specific illness or requiring a specific surgery, as outlined in a policy’s terms and conditions.

What is Income Protection Insurance?

Income Protection Insurance is designed to pay you a regular monthly income if you are incapacitated and unable to work due to illness or injury.

Level Term Insurance

Level Term life insurance is where the premiums and amount of cover stay the same during  policy term, regardless of when the insured person passes away. In other words, the amount of cover is ‘level’.

The certainty of knowing the amount of potential payout from a life insurance policy provides peace of mind, and it could help cover mortgage, educational costs, household bills and children’s activities, helping your family to stay in their home and maintain their lifestyle.

 What is Mortgage Life Assurance?

Mortgage Life Assurance is designed to pay off the remaining mortgage debt on repayment mortgages if you die within a set period. It ensures your dependents need not worry about repaying the mortgage if you die. 

What is Whole of Life Assurance?

Whole Life Assurance, or whole of life assurance, sometimes called “straight life” or “ordinary life”, is a life insurance policy which is guaranteed to remain in force for the insured’s entire lifetime, provided required premiums are paid, or to the maturity date.

In addition to paying a death benefit, whole life insurance also contains a savings component in which cash value may accumulate. Interest accrues at a fixed rate and on a tax-deferred basis.