Income Protection (PHI)*
Until recently people have only thought about protection in respects to 'life'. Now with changes in State Benefits and more expensive lifestyles many people are looking for additional cover. Everything you purchase and bills you pay for depend upon you going to work, and going to work depends upon good health to enable you to get there. So what would happen if you lost your earning capacity? What can you do to protect your income? An Income Protection Policy replaces the earnings lost through illness or accident for more than a specified period of time. Once the benefits have started to be paid, they will continue until the life assured returns to work, dies or reaches expiry date of the contract.

Critical Illness*
Many people who suffer life threatening illness survive for relatively long periods due to the advances in medical care. Many people worry about the effects of a critical illness on the family's ability to maintain the lifestyle they have worked hard for. Critical Illness is a protection policy which provides a lump sum (sum assured) on diagnosis of one of a specified list of illnesses, or on the permanent total disability of the life assured. We can help you to choose the most suitable company that covers the conditions that are of the greatest worry to you.