Personal Protection

Whether it is protecting yourself or your family, having the right forms of personal life insurance is vital.  There are four types of personal insurance available to ensure every need is covered:

  • Life Insurance: Pays a lump sum in the event the life insured dies.
  • Total and Permanent Disability: Pays a lump sum in the event the life insured becomes totally and permanently disabled.
  • Trauma: Will pay a lump sum if the life insured suffers one of up to 40 specified major illnesses such as Cancer; Heart Attack; Stroke; Deafness; Blindness; Motor Neurone Disease.
  • Income Protection: Pays a monthly benefit if the life insured cannot work due to illness or injury and their income suffers as a result.


These types of insurance can be used to pay out debts and provide for your family in the event of your death, provide an income to cover your mortgage and other expenses if you are ill or injured and provide funds to cover medical and rehabilitation costs if you suffer a medical catastrophe.


But which cover and how much is right for you?  Getting the right advice is just as important as the cover itself.  As specialist risk advisers, we can help with this by analysing your personal circumstances.

We will:

  • Explain what types of insurance are available to you.
  • Complete a Fact Finder to understand your personal financial position.
  • Complete a Needs Analysis to identify where you are at risk what your protection priorities are.
  • Recommend the ideal levels of cover for you.
  • Or, recommend levels of cover taking into account your available budget.


Our service doesn’t end there.  We will:

  • Complete all application forms with you.
  • Track your application from submission to completion.
  • Review your cover to ensure it matches your changing circumstances and that it still represents the best value for you.
  • Most importantly, provide as much assistance as you require in the event of a claim.