We advise on the full spectrum of life insurance products from personal plans such as term protection, serious illness and mortgage protection to company/directors’ products such as life cover with tax relief, business protection and partnership insurance. Below is an overview of each category of insurance, for more detailed information, please click on the relevant tabs.

Life Insurance
Pays your estate either a lump sum or regular income if you die during the term of the policy.

Mortgage Protection
A type of life insurance policy that repays your mortgage if you die within the term. The cover lasts until your mortgage is paid off.

Serious Illness
Pays out a tax-free lump sum if you are medically diagnosed with one of the serious illnesses or disabilities that your policy covers.

Income Protection
Provides you with a taxable income if you lose your work income due to disability/illness or injury. The benefit is paid out for a certain period of time, usually until you get better or reach retirement age.

Life Cover with Tax Relief
This is a life cover product available to the self employed and company directors. Premiums paid in respect of these policies receive favourable tax treatment.

Business Protection
An arrangement can be put in place whereby on the death of a director/shareholder funds become available to buy out the next of kin.

Inheritance Tax Relief
Relief on the proceeds of certain insurance policy used to discharge inheritance tax.