If you couldn’t work due to illness or injury, how would you keep up with rent, the mortgage, or bills? Income Protection pays out a regular income—usually up to 70% of your earnings—if you’re off work long-term due to health issues. Most government benefits are limited and take time to come through. Income Protection kicks in after a short waiting period (from 4 weeks up to a year) and supports you until you’re well enough to return to work—or until the policy ends. Key Benefits Include: Monthly income if you’re unable to work. Covers a wide range of illnesses and injuries. Can last until recovery, retirement, or policy end. Some plans include extras like fracture cover.

This cover provides a monthly tax-free income to your loved ones if you pass away during the policy term. Unlike life insurance that pays a lump sum, Family Income Benefit helps with everyday costs over time. If you provide financial support for your family—especially children—it ensures they can maintain their quality of life without added financial stress. Set the policy term to match your youngest child’s age—so if they’re 5 now and you choose a term until they’re 18, the policy pays monthly until then if you pass away. Key benefits: Regular income for your family after your death. Tax-free payments. Lower cost than lump-sum life insurance. Peace of mind during the years your family needs it most.

This optional cover provides a lump sum if your child is diagnosed with a serious illness, helping you focus on their care—not your finances. Parents often need time off work, extra travel, or home adjustments when a child becomes seriously ill. This money gives you breathing room to manage those unexpected costs. How it’s used: Travel to specialist treatment Adapting your home for recovery Extra childcare or time off work Days out and experiences during recovery Key benefits: Lump sum payment Can be standalone or added to adult policies Eases financial pressure during a stressful time

If you’re diagnosed with a serious condition like cancer, heart disease, or stroke, this cover pays out a tax-free lump sum to help you deal with the impact. A critical illness often brings big lifestyle changes. This money gives you options—whether that’s reducing work, paying for treatment, or simply covering day-to-day costs while you recover. Each policy lists specific conditions. Some also include children’s cover. I’ll walk you through the fine print so you know exactly what you're getting. Key benefits: One-off payment on diagnosis of a listed illness. Spend it however you need. Helps reduce financial stress while you focus on recovery. Often available with optional children’s cover.

Life Insurance pays out a lump sum to your loved ones if you pass away (or are diagnosed with a terminal illness) during the policy term. It helps your family cover big costs—like paying off a mortgage or maintaining their lifestyle—so they can focus on grieving, not finances. A joint policy covers two people but only pays out once. Two individual policies offer more protection, with separate payouts if both pass away. Key benefits: Financial security for your loved ones. Covers debts, bills, or future needs. Can be arranged as joint or separate policies. Peace of mind that your family will be looked after.