Six ways to protect what matters.
Pick the one that fits, mix and match, or ask us to help you decide. There's no one-size-fits-all — and that's the point.
Life Insurance
A lump sum for your loved ones if you pass away during the policy term. Perfect alongside a mortgage.
- •Fixed or decreasing cover
- •5–40 year terms
- •Optional critical illness add-on
Critical Illness Cover
A tax-free lump sum if you're diagnosed with a listed serious illness like cancer, heart attack or stroke.
- •Standalone or bolt-on
- •Covers 40+ conditions
- •Child cover included with most insurers
Income Protection
Monthly payments if illness or injury stops you working — because bills don't take sick days.
- •A tax-free share of your income
- •Waiting periods from 1 to 52 weeks
- •Own occupation or any occupation
Whole of Life
A guaranteed payout whenever the time comes. Often used for funeral costs or inheritance planning.
- •Cover for life
- •Fixed premiums
- •Great for estate planning
Mortgage Protection
A life or life & critical illness policy designed to clear the mortgage if the worst happens — so the family stays in the home.
- •Level or decreasing to match the mortgage
- •Joint or single life options
- •Optional critical illness add-on
Family Income Benefit
A regular tax-free monthly income for your family if you pass away during the policy term — helping with everyday bills, your children's future and the milestones that matter.
- •Regular tax-free monthly income
- •Term set around your children's ages
- •Often more affordable than a lump-sum policy
