Life and protection

Studies among consumers consistently show that people are more likely to have insurance to protect their cars and possessions than their life and health. Yet the financial hardship associated with losing a breadwinner in the family is potentially far more significant.

In this section we set out details of policies that can help offset the financial impact of unforeseen life changing events and give you peace of mind.

Critical illness » The effects of suffering a critical illness, such as a heart attack, and surviving this kind of traumatic event, can have a serious impact on your lifestyle. Critical illness cover, either on its...	Income protection insurance » Income protection insurance is an essential insurance for most individuals, but few people realise this until it is too late. Nowadays most people are able to take out this insurance, which will...
Life assurance » Life assurance is an essential cover if you have dependants, such as a spouse or children, who would need financial support if you were to die unexpectedly. There are various types of life...	Long term care » According to a major study by the CASS Business School the demand for formal home care will rise by 60% by 2040. Increasing longevity, and the changing structure of the traditional family, also...
Personal accident & payment protection » Despite the current crunch it remains relatively easy to borrow money either in the form of a personal loan, mortgage or simply by purchasing goods on a credit card. While credit is easily come by...	Private medical insurance » Private medical insurance (PMI) covers the expenses incurred when you undergo private medical treatment for short-term curable illnesses and injuries. People in employment often have the option to...