Protection

We’re passionate about making sure families in the UK are protected against life’s uncertainties – so we’re on a mission to help the UK achieve a lifetime of financial security.

What we offer

Whether it’s making sure your mortgage is covered or keeping on top of the monthly bills, our life insurance, critical illness cover and income protection insurance policies give you and your family one less thing to worry about.

When setting up your policy, you’ll decide whether it will pay a lump sum or a regular income (also known as family income benefit) if you should die during the life of your policy.

If cover for a specific length of time isn’t right for you, you can choose a Whole of Life policy, which will pay a lump sum when you die – regardless of when that is.

When setting up a critical illness policy, you’ll decide whether it will pay a lump sum or a regular income (also known as family income benefit) if you’re diagnosed with a defined critical illness.

When setting up your life and critical illness cover, you’ll need to decide whether you want it to pay a lump sum or a regular income (also known as family income benefit) when you die or are diagnosed with a defined critical illness – whichever happens first, during the life of your policy.

Income protection polices pay an income if you're unable to work for a lengthy period, due to illness or accidental injury. We’ll pay you an income for as long as you continue to meet the definition of incapacity that applies to your policy, during the benefit term.

These policies don’t have a cash-in value at any time. Your protection will stop if you stop paying your premiums.

It’s important that you give us all the information that we ask for when you apply for your policy. If you don’t do this, we might not be able to pay your claim.

Need to find an adviser?

Advisers can help identify your financial priorities and put together a plan to help you achieve them. They can talk you through the benefits, costs, and any tax implications of your protection options. They also have access to the latest product research, which means they’re able to help you protect your financial future.

Find a financial adviser near you by going to unbiased.co.uk(Opens new window) or moneyadviceservice.org.uk(Opens new window)