Why choose our Income Protection or Critical Illness Cover?

Nobody wants to worry about how they'd cope financially if they were ill or injured and couldn't work.

That's why our Income Protection and Critical Illness products are designed to give you peace of mind, knowing you'd get a payout or a monthly income if you became critically ill or too sick to do your job.

Available through an independent financial adviser, these covers are designed to help lighten the financial load and make it easier for you and your family to cope at a time when you need to concentrate on getting better.

Please note: Your plan doesn’t have a cash-in value at any time and if you stop paying your premiums your cover will stop.

Critical Illness Cover

Pays out a lump sum or monthly income if you're diagnosed with a critical illness or total permanent disability, covered by your plan. And you can choose to include Children's Critical Illness Cover with your plan.

Find out more about Critical Illness Cover

Life or Critical Illness Cover

Pays out a lump sum or income if you die or are diagnosed with a critical illness, or if you are diagnosed with a terminal illness or total permanent disability, covered by your plan, whichever happens first. And you can choose to include Children's Critical Illness Cover with your plan.

Find out more about Life or Critical Illness Cover

Income Protection

Pays out a monthly amount if you are unable to do your job due to an illness or injury that meets our definition of incapacitated.

Find out more about Income Protection

Helping Hand

We believe good protection is about more than just money. That’s why all our protection plans bought through an independent financial adviser come with Helping Hand - a comprehensive support service that gives you access to a dedicated nurse during times of need.

Find out more

Value of advice

If you think that our Illness and Income Protection Cover could be right for you the next step is to speak to an independent financial adviser. There are many benefits to independent advice.

Find out more about the value of advice