Life and Critical Illness Insurance

Protect your home and the people who matter

Life and Critical Illness cover offers essential financial security when it matters most. It can give you the freedom to focus on recovery without the pressure of lost income, provide a lump sum to support medical costs or treatment, and help ensure your family’s lifestyle and future remain protected during difficult times.

What you can expect:

A lump‑sum payout for serious illness
Financial support for your family if you pass away
Protection for mortgage payments and essential costs
Tailored cover based on your needs

We help you make confident, informed decisions that protect your future — not just today, but for years to come.

Speak to a Protection Expert

Frequently Asked Questions

What is Life Insurance and why do I need it?

Life insurance provides a financial safety net for your loved ones if you were to pass away. It can help cover mortgage payments, living expenses or other financial commitments, giving your family peace of mind during a difficult time. We’ll help you understand the right level of cover for your circumstances.

What is Critical Illness Insurance and how does it work?

Critical Illness Insurance pays out a tax-free lump sum if you are diagnosed with a serious illness covered by your policy, such as cancer, heart attack or stroke. This can help cover medical costs, daily living expenses or debts while you focus on recovery. We’ll explain which illnesses are covered and help tailor a policy to your needs.

Are pre-existing conditions covered?

It depends on the insurer and your individual circumstances. Some pre-existing conditions may be excluded, or premiums may be adjusted to reflect the additional risk. We’ll review your health and work situation, explain any limitations or loadings and help you find a policy that provides the best possible protection for your needs.