Protection

We’re here to help you reach your goals at every stage of your life. Part of that involves putting plans in place to protect and insure you against the unexpected.

Whether it’s making sure the mortgage is paid 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. They’re flexible too.

What we offer

To help you get the insurance that’s right for you, we offer four main types of protection cover:

Life insurance

When setting up the policy, you decide whether it will pay out a lump sum or a regular income (also known as family income benefit) when the insured person dies during the benefit term. If cover for a specific length of time isn’t right for you, you can choose insurance known as Whole of Life instead which will pay out a lump sum when the insured person dies – regardless of when that is.

Critical illness cover

When setting up the policy, you decide whether it will pay out a lump sum or a regular income (also known as family income benefit) if the insured person is diagnosed with a defined critical illness.

Life insurance with critical illness cover

When setting up the policy, you decide whether it will pay out a lump sum or a regular income (also known as family income benefit) either when the insured person dies or is diagnosed with a defined critical illness - whichever happens first, during the benefit term.

Income protection insurance

This will pay the insured person an income if they can't work for a lengthy period due to illness or accidental injury. We'll continue to pay an income for as long as the insured person continues to meet the definition of incapacity that applies to their policy during the benefit term.

The policy only provides protection and has no cash-in value at any time. It's important you give us all the information we ask for when applying for your policy. If you don't do this, we might not be able to pay your claim.

To find out more, speak to your financial adviser or an associate from Aegon Assist.

Don't have an adviser? Read our guide on how to find one.