Insurance
Services

There are three main types: Level Term (fixed payout throughout the policy term), Decreasing Term (payout reduces over time, ideal for repayment mortgages as the balance decreases), and Family Income Benefit (provides a regular monthly income to your family rather than a lump sum). We help you choose the right type for your situation.

Critical illness cover pays a tax-free lump sum if you are diagnosed with a serious illness covered by your policy. This typically includes conditions such as cancer, heart attack, stroke, multiple sclerosis, Parkinson's disease, and major organ transplant.

Income protection replaces a portion of your salary (typically up to 60-70%) if illness or injury prevents you from working. Unlike critical illness cover, it pays out monthly until you are able to return to work or reach retirement age. You can choose flexible waiting periods to suit your savings and employer sick pay provisions.

Most mortgage lenders require buildings insurance as a condition of your mortgage. This covers the structure of your home against damage from events such as fire, flood, or subsidence. Contents insurance (covering your belongings) is optional but recommended. We can arrange combined buildings and contents policies.

Buy-to-let landlords need specialist landlord insurance, which differs from standard home insurance. This can include buildings cover, contents cover (for furnished lets), rent guarantee insurance (covering lost rental income if tenants default), and legal expenses cover.