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Our carefully selected partner firm have access to the whole of the market, this means they are able to give you unbiased tailored advice about the best financial protection products for you and your loved ones. Find out more about each products below.

Decreasing Life Insurance (Mortgage Protection Insurance)

  • Designed to pay off your repayment mortgage in full if you die during the mortgage term
  • The cover amount will decrease alongside your outstanding mortgage balance
  • The Term of the policy will be equal to your mortgage term
  • Can be taken with Critical illness cover
  • If you do not pass away within the policy term, then you and your family will not receive any type of pay-out or return of payments made from level term life insurance.

Level Term Life Insurance

  • This is the cheapest and most basic form of life insurance.
  • A Type of insurance that only pays out a cash sum if you pass away before a specified time frame (the term)
  • The amount paid out to your estate remains the same (level) whether you die at the start or near the end of your policy term.
  • Primarily used if you have children and/or a partner who is financially dependent on you, have an interest only mortgage or have long term debts.
  • If you do not pass away within the policy term, then you and your family will NOT receive any type of pay-out or return of payments made from level term life insurance.

Income Protection

  • Pays up to a certain percentage of your gross monthly income. Usually set at 65% but can be up to a maximum of 80% of your income.
  • Claims are paid monthly, for a limited number of months, usually 12 to 24 months. However there are some policies that will continue to pay you a monthly income for the full term if you do not return to work.
  • The policy will pay when practically ANY illness or injury prevents you from working.
  • Multiple Claims are allowed within the term of the policy

Critical Illness Cover

  • Provides you with a one-time lump sum payment that you can use for your treatments, to pay off a mortgage or to provide for your family’s daily needs.
  • Policy will pay out the full amount, which is the cover amount you set at the start of the policy. 
  • The policy will have a list of critical illnesses covered. Any illnesses not included in the list will NOT be covered.
  • After the lump sum payment is made, the policy will end.
  • You can claim only once. Once the cover amount is claimed, the policy cover expires and no further payments are made. 

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