Protect Myself and My Family

In life, we never know what’s around the corner. So make sure you and your loved ones are protected, no matter what life brings.

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Individual Protection

What happens if I…

Protect your income and your lifestyle if you can’t work


The diagnosis of a serious illness or the sudden inability to work can have an immediate impact on your life.

If you are prevented from working by a sudden illness or injury, you will still face most of the expenses that your income currently pays for. As your capacity to earn decreases, medical expenses and the day-to-day bills can easily build up.



  • Income Protection can provide you with an income if you are out of work in the longer term, due to a serious illness.
  • Specified Illness cover can provide you with a lump sum payment on the diagnosis of specific illnesses such as stroke, cancer and heart attack.
  • Life Insurance can provide a lump sum or income on death. If you don’t have people who depend on you financially, this type of cover may not be as relevant to you as it would be for families.

sudden illness or inability to work can financially have an impact on your life

What cover is right for you?

Some of the options that may be of interest to you include:


Specified IllnessIncome ProtectionLife Cover
Pays a lump sum on diagnosis of any one if a range of illnesses covered under your plan to: maintain your lifestyle, help you copy financially during a tough time Provides a replacement income if you are prevented from working due to illness or injury.Pays a lump sum on death to: cover funeral expenses and related costs, clear any loans or debts and provide for dependants
Additional benefits can be added which can pay out on accident, injury or death.Can replace up to 75% of your monthly income if you have been out of work for a specified period.Key priority for people with families , but may be less important for people without dependants.


Family Protection

Is your family covered?

Death or serious illness in a family is hugely traumatic and often made worse by the financial stress that can come with it.

If anything happened to you, it would be good to know that money issues would not be a problem for your family. If you want to put your emergency plan in place, we are here to help.

  • Life Insurance can provide your family with a combination of a lump sum of money and an ongoing income that can be used for funeral expenses, clear outstanding debts and maintain the life you’ve always known
  • Income Protection and Specified Illness can ease the financial burden if you were unable to work due to illness





What might they need?

There are tow types of cover that may be of interest to you:

On Death:

Life insurance can provide a lump sum and/or a monthly income to your family. How much you need is based on a number of key factors.

The most obvious effect is the loss of the breadwinner. However, some outgoings will disappear, for example, your family may no longer have to pay a mortgage. You may also be entitled to state benefit payments.

Estimate you family’s needs with our benefits calculator.

On Illness:

Specified Illness pays lump sum on diagnosis of a range of illnesses covered under our plan

Alternatively, Income Protection can replace up to 75% of your monthly income if you are prevented from working due to illness or ill-health or injury

What’s right for you depends on your occupation, your health and your individual circumstances.

We’ve added new benefits to your cover - Link layer

We’ve added new benefits to your cover

BetterHealth is our latest online GP and healthcare services that are now available when you take out a policy with us.
Protecting What Matters Most – Webinar - Link layer

Protecting What Matters Most – Webinar

This webinar will explain how to financially protect yourself, those you love and the things you love.
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Protection FAQs

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