Life and Critical Illness Insurance

Whether you need life cover will depend on your individual circumstances.  For example, life insurance can provide peace of mind for people with children, partners, or spouses that depend on them financially, as well as people with a mortgage on the family home.  It's a protection should the worst happen.  We can offer 2 types of life insurance, level cover and deceasing cover and both can have critical illness added.

THESE PLANS HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM.  IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

A Critical Illness can affect anyone at any age and can turn lives upside down.  These insurance policies can provide a lump sum payment in the event that you are diagnosed with specific diseases considered life threating, such as cancer, heart disease, stroke, kidney failure and some policies will even provide children's critical illness cover with your policy at no extra charge.  Designed to minimise the financial impact on you and your family if you become critically ill.

PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS.  THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT, IF YOU GO AHEAD WITH THE PLAN

You can choose a lump sum over a certain term for a fixed amount.  Usually used to go towards your families living costs if you become terminally ill or pass away, or for an interest-only mortgage.  This cover can give peace of mind for people with children, partners, or spouses.

This cover type is designed to help your loved ones pay off a repayment mortgage or long-term loan if you pass away during the policy term.  As the value of the mortgage or loan decreases over time, so does this cover.  That's why decreasing cover usually costs less than level cover.