Protecting the things that matter.

Life cover comes in two main forms: Level Term Assurance and Decreasing Term Assurance. Level Term keeps the same amount of cover throughout the life of the policy and pays out that amount if you make a claim.

Decreasing Term reduces over the term, usually in line with a repayment mortgage, and pays out the current balance when a claim is made. We'll help you choose the shape of cover that matches your family's needs and budget.

Critical illness cover protects you and your family against the financial impact of a serious illness and loss of income through sickness. It pays out a lump sum should you be diagnosed with one of the illnesses covered by the policy.

The illnesses included vary between providers and product types, so it's worth getting advice on the differences. We'll compare the market to find cover that actually fits your circumstances.

Placing a life policy into trust can help make sure the right people receive the money at the right time, often faster and outside of your estate for inheritance tax purposes. We can talk you through when a trust may be appropriate and introduce specialists where needed.