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Personal Protection

Protection for you and your family

Personal Protection is designed to give you and your family financial help in a range of circumstances, including death, terminal or critical illness, permanent disability or loss of earnings if you’re unable to work.

It can also help meet your mortgage commitments in a wide range of circumstances. The policy can be used with an interest-only mortgage, such as an endowment or ISA mortgage, or a capital and interest repayment mortgage.

Options include:

  • critical illness
  • life cover
  • income protection
  • flexible additional options

Personal Protection may be suitable if...

  • You want to make sure you have financial help for you and your family (including meeting any mortgage commitments) in a range of circumstances, including death, terminal or critical illness, permanent disability or loss of earnings if you're unable to work
  • You want to choose the type of protection and level of cover you want
  • You want to cover one or two people
  • You want to use it with an interest-only mortgage, such as an endowment or ISA mortgage, or a capital and interest repayment mortgage
  • You want to choose the level of cover you want which will pay off the original mortgage amount or just the outstanding portion
  • You want a policy which is also flexible enough that you can change your level of cover when your mortgage changes (if, for example, you buy a new house, extend your present home or pay a lump sum to reduce your mortgage)

See more about how our Personal Protection options could help you.

Personal Protection

Personal Protection may not be suitable if...

  • You want protection with no end date
  • You want to be able to cash-in the policy at any time
  • You want to protect your business
  • You want an investment-linked element within the term that pays out at the end of the term

 

So you can make the right decision about what's right for your needs, it's a good idea to talk to your financial adviser.

If you don't already have one, you can use our 'Find an IFA service' to search for an adviser near you.

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