Life & Critical Illness Cover

We all need to be protected. What would happen if a sudden illness, disability, or death occurred? We can help provide you with the peace of mind that comes with knowing you are protected if something should happen.

This comes in two main forms: Level Term Assurance or Decreasing Term Assurance.

Level Term Assurance will give you the same amount of cover during the life of the policy and pay out that amount if you make a claim.

Decreasing Term Assurance will decrease over the term, usually to match your decreasing mortgage amount owing on a repayment mortgage, and pay out the current amount when a claim is made.

Critical Illness Cover

To cover you and your family against the financial impact of a critical illness and loss of income through sickness.

This cover pays out a lump sum or a regular income when you have a specified illness. Illnesses covered vary depending on the provider and type of policy.

Income protection insurance

This cover will pay you a regular income benefit if you suffer illness or accidental injury and are unable to work leading to loss of earnings. Cover is usually provided until the end of the plan term, your return to work, your death, or retirement, whichever occurs first regardless of how many claims you make and during each claim you receive an income every month as long as that claim is valid.