Life Insurance
Most people will go out of their way to ensure they provide for their families and protect them. But one simple option is often overlooked life insurance which gives your family a lump sum when you die.

Basic life insurance is remarkably cheap. It can cost as little as a cup of coffee a month for simple term insurance depending on your age and health. That's not much to bring peace of mind to you and your dependents. 


Critical Illness Insurance
Critical illness insurance can be a very important and comprehensive form of insurance. It is designed to pay you a tax free lump sum of money should you be diagnosed with a critical illness that is detailed within your specific policy conditions.

Many people also decide to take the critical illness insurance combined with life insurance, this can be a very comprehensive form of insurance and in the majority of cases you can get the life insurance part of the plan for a nominal charge or in some circumstances for free. This would mean that you have a very good plan that would pay a lump sum tax free should you either die or be diagnosed with a critical illness or die.

You may decide to take your insurance on a single or a joint basis, this can provide cover for a husband and wife or for business partners. This type of insurance is often described as joint life first death, where the plan would pay upon the first diagnosis of a critical illness or first death within the plan.

We will search the whole of the UK critical illness insurance market on your behalf to find you the most appropriate deal.


Income Protection Insurance
Income protection insurance or permanent health insurance aims to give you an income if you can't work in the event of sickness or illness. The amount of cover can be anything up to three-quarters of your normal wage, less any state benefits you receive.

Most Income Protection Insurance policies stop paying out after a set period, normally 12 months although some Income Protection Insurances pay for only six months.


Accident, Sickness & Unemployment Insurance (ASU)
Accident, Sickness & Unemployment insurance (ASU), can also be referred to as mortgage payment protection and will provide you with an income to meet your outgoings if you are off work sick, have an accident or are made redundant. It pays out a monthly benefit to cover your mortgage and other related costs.

You may choose the amount of benefit you would like to receive, although there are some limits on the maximum amount. The premium will be a percentage of the amount of monthly benefit you would like to receive. Benefits are usually payable for a maximum of 12 months.


Buildings & Contents Insurance
A buildings and contents insurance policy is essential for protecting your home and contents in the event of an accident or other catastrophe.

We offer a range of competitive insurance products if you are a Homeowner, Landlord or Tenant from a number of leading UK insurers. 

For your added peace of mind, we can also arrange adequate contents insurance so that your belongings are covered against things like fire, theft and flood.

For Buildings and Contents Insurance we usually offer products from a limited panel of providers.