Term Life Insurance

A good option for family protection

With term life insurance policy you choose the amount you want to be insured for and the period for which you want cover. This is the most basic type of life insurance. If you die within the term, the policy pays out to your beneficiaries. If you don’t die during the term, the policy doesn’t pay out and the premiums you’ve paid are not returned to you.

Whole-of-life Insurance

Guaranteed tax-free payment whenever you die

A whole-of-life insurance policy is designed to give you a specified amount of cover for the whole of your life and pays out when you die, whenever that is. Because it’s guaranteed that you’ll die at some point (and therefore that the policy will have to pay out), these policies are more expensive than term insurance policies, which only pay out if you die within a certain timeframe.

Life Insurance

COVID-19: What you need to know

The coronavirus (COVID-19) pandemic, has led to concerns and questions about how best to protect our loved ones in times like this.
If you or a loved one has to make a claim on a life insurance policy as a result of the coronavirus pandemic, it would be handled like any other life insurance claim and be paid subject to the usual policy terms and conditions.

Critical Illness Cover

A helping hand for you and your loved ones

If you were diagnosed with critical illness, would you be able to cope financially? It’s easy to think ‘I’d cope, that’ll never happen to me’ but most of us know someone either directly or through friends and family that has been affected.

Critical Illness Cover

COVID-19: What you need to know

Critical illness insurance offers you and your loved ones financial support should you unexpectedly fall ill with a specified illness.
Critical illnesses are identified under a specific set of criteria and coronavirus (COVID-19) is not a specified critical illness under the Association of British Insurers (ABI) Guide to Minimum Standards for Critical Illness Cover.