Financial Protection

Financial Protection

We strongly believe in aiming for the best, but recognise how important it is to prepare for the worst. So, we have listed a brief description of the different types of insurance products we can offer.

Buildings insurance: covers damage to the structure of your home, such as the roof, walls, floors, ceilings and foundations.

Contents insurance: covers your possessions for example, a stereo or iPod, clothes, curtains, carpets and furniture

Life assurance: pays out a lump sum, usually to dependants, when the life assured dies during the term of the policy. There are many reasons why life cover may be important for you. For example, the proceeds may be used to:

pay off a mortgage
provide an income for your dependants
protect a business from the impact of a partner dying
fund a savings plan for the benefit of your children

Critical illness cover: pays out a tax-free lump sum to policyholders if, during the term of the policy, they are diagnosed with a defined critical illness. Permanent Health Insurance (PHI): provides a regular income for policyholders if they are unable to work due to accident or sickness. It is available to employed and self-employed people. Accident, sickness and unemployment insurance (ASU): pays a percentage of a person's mortgage payments if they are unable to work because of illness, accident or enforced redundancy.