Protect the Ones
You Love
Life may be unpredictable, but your financial security shouldn't be. Keep your loved ones and home protected against the unexpected.
Speak to an AdviserFor a non-smoking couple aged 40, before age 65 (Source: LV= Risk Reality Calculator)
How resilient are your finances?
Answer a few quick questions to see how prepared you and your family are for the unexpected, and where your cover might have gaps.
If you couldn't work, would your income continue for more than 3 months?
Do you have life cover that would clear your mortgage?
Do you have critical illness cover?
Could you cover 3 months of bills from savings?
Have you reviewed your cover in the last 12 months?
Your financial safety net
A protection plan can include various policies — life insurance, income protection, and critical illness cover, to name but a few. These policies are designed to safeguard you and your family in the case of unexpected circumstances, such as illness or death.
Consider this: if you were unable to work, would you be able to care for yourself and your family? Would your current savings be enough to cover unforeseen expenses or a drop in income? If not, then you need protection.
With statutory sick pay sitting at just £116.65 a week for up to 28 weeks, a protection policy can be the lifeline you need to maintain your financial stability. Failing to pay your mortgage can also negatively impact your credit rating — in the worst case, leading to property repossession.
Over a million people are unable to work each year due to serious health issues.
The right cover keeps your mortgage payments protected during illness or injury.
Our specialist protection advisers will assess your specific needs and explain all available products.
Choosing the right insurance depends on your age, lifestyle, health, and financial status.
Coverage options available to you
Life Insurance
A life insurance policy safeguards the financial security of your loved ones in the case of your passing. You decide the length of the policy and the payout amount. Coverage may pay out in a single payment or through recurring monthly instalments depending on your plan.
Income Protection
Income protection insurance acts as a safeguard for your finances, giving you comfort and financial stability if illness, accident, or disability impairs your ability to work. You'll receive a monthly income from the policy, guaranteeing you can pay your bills and maintain your lifestyle.
Critical Illness Cover
A critical illness policy pays a one-time tax-free lump sum if you are diagnosed with a critical illness such as cancer, heart attack, or stroke. It covers costs not covered by other policies — bills, childcare, home adaptations, and more.
Buildings & Contents Insurance
Buildings insurance covers structural damage to your home — walls, flooring, roofs, and fixtures. Contents insurance protects furniture, TVs, and personal items from fire, flooding, and theft. Buildings insurance is often required to secure a mortgage.
When should you review your protection?
Life is full of twists and turns. Ensure your protection policy keeps up — review it at least once a year and after any major life change.
Marriage or Divorce
Both events can alter your financial responsibilities. Update your policy to include or remove beneficiaries accordingly.
Children
The arrival of children inherently calls for extra coverage, as you'll want to secure their future if something happens to you.
Homeownership
Moving or buying a new home means you need to update your policy address, value, and size.
Job Changes
Changes in employment often mean new benefits and salary changes — your provider will need to be made aware.
Medical Conditions
New medical diagnoses may need extra coverage or specialised policies to ensure you're still fully covered.
Don't let the unexpected rock the foundations of your home.
Contact your local expert adviser today for a free, no-obligation consultation on protection and insurance.
Get Expert Advice