Life is uncertain. Protect what matters

Life Insurance

Life insurance (also known as life assurance or life cover) is a financial product that lets you leave money for your family or beneficiaries when you die. The money left to your family can be used to support them through lost income over a period of time or to pay off a lump sum of debt, such as a mortgage for example. There are also different type of life insurance policy, some offering the option to include additional cover such as critical illness protection.

Critical Illness Cover

This provides a one-off tax free lump sum payment in the event of a specified serious illness like cancer or permanent disability caused by injury.

For, what could be, a relatively small monthly payment, you could help yourself and your family cope for a while without income to pay household bills and debts. This would mean one less thing to worry about at this very stressful time. You can also combine critical illness cover and life insurance in one plan.

Income Protection

Income Protection is an insurance policy designed to provide financial support if you cannot work because you are ill or injured over a long-term period of time. It offers a regular income until you are able to return to work or even retire or until the policy ends.

Income Protection is different from critical illness insurance which pays out a one-off, lump sum if you have a specified illness. It is also different to short-term income protection which, whilst it does pay out a monthly sum related to your income, it only pays out for a limited period of time (most policies cover two to five years) and often covers fewer illnesses or situations.

Private Medical Insurance

This is an insurance policy that is designed to meet some or all the costs of private medical treatment. The NHS offers a fantastic service that is free at the point-of-use. However, it is continuing to suffer from over-capacity, with waiting times ever increasing. A private medical insurance (PMI) policy allows you to receive prompt and private treatment for a wide range of conditions and illnesses. This is a referral service.

Building and Content Insurance

Building insurance covers the structure of your property, such as the roof, walls and windows, as well as fixtures like fitted kitchens and bathroom suites. Contents insurance covers the contents of your home and the things you treasure most, such as furniture, furnishings and personal belongings. This is one of the most popular types of insurance and can often include clauses for accidental damage, as well as damage to personal belongings that occurs outside of the home. When applying for a mortgage, you typically must be able to show the lender that you will have suitable building insurance in place, at a minimum.

Landlords Insurance

As a landlord, protecting your home from potential damage is imperative and a prime reason why building insurance is essential. It is also worth considering taking out a contents insurance policy if you have furnished the property. Some insurance providers offer both building and contents insurance as one package, specifically for landlords.

Business Protection

Small and Medium enterprises form the backbone of the UK economy, making up 99% of the 5.5 million businesses at the beginning of 2022. In Northern Ireland specifically, the latest figures show there is over 128,200 small and medium-sized business across the country.



Yet research shows that there is a lack of awareness of business protection and evaluation of all the potential business risks. This research shows that 52% of businesses would cease trading in under a year if a key person died or became critically ill.