Personal Protection

Life Cover

Protecting your family’s financial future is one of the most important steps you can take. Life cover ensures that, should the worst happen, your loved ones are provided for, helping them maintain their quality of life and financial stability.

What is Life Cover?

Life cover, also known as life insurance, pays out a lump sum to your beneficiaries if you pass away during the term of the policy. This payout can help cover mortgage repayments, clear outstanding debts, or simply provide financial support for your family during a difficult time.

Key Benefits of Life Cover

Financial Security for Your Loved Ones:
The payout from a life cover policy can help your family manage essential expenses such as mortgage repayments, living costs, or education fees, ensuring they are financially secure even if you’re no longer around.
Flexible Coverage Options:
Life cover policies are highly customizable. You can choose the level of coverage, the policy term, and any additional features based on your specific needs and budget. Whether you want a policy that covers the entire mortgage or one that provides a lump sum to your family, we can find the right fit for you.
Peace of Mind:
Knowing your loved ones will be financially protected can give you peace of mind, allowing you to focus on enjoying life without worrying about what might happen in the future.

Types of Life Cover

Level Term Assurance:
Pays out a fixed lump sum if you pass away during the policy term. The payout remains the same throughout the term, providing stability and certainty.
Family Income Benefit:
Unlike traditional life insurance that pays out a lump sum, Family Income Benefit provides regular payments to your family if you pass away during the policy term.
Decreasing Term Assurance:
The payout decreases over time, usually in line with a repayment mortgage, making it a cost-effective option for mortgage protection.
Whole of Life Cover:
Provides lifelong protection, paying out whenever you pass away. This option is often used for estate planning or to cover funeral costs.

How We Help

Tailored Advice:
We take the time to understand your personal circumstances, financial goals, and protection needs. Based on this, we recommend life cover policies that offer the right balance of coverage and affordability.
Access to the Whole Market:
We compare life cover options from a wide range of providers, ensuring you get the best deal available. Whether you need a basic policy or a more comprehensive plan with additional benefits, we’ve got you covered.
Ongoing Support:
Your life cover needs may change as your circumstances evolve. We offer regular reviews to ensure your policy remains aligned with your goals, making adjustments when needed.

Why Choose Us?

Personalized, Impartial Advice:
We focus on what’s best for you and your family, offering impartial guidance to help you make an informed decision.
Comprehensive Protection:
Our life cover solutions are designed to give you peace of mind, knowing your loved ones will be supported in difficult times.
End-to-End Service:
From selecting the right policy to helping with claims if needed, we’re with you every step of the way.

Ready to protect your family’s future? Get in touch for a free, no-obligation consultation, and let’s explore the life cover options available to you.

Critical Illness Cover

A serious illness can change your life in an instant, but with the right protection in place, you can focus on recovery without the added stress of financial worries. Critical illness cover provides a lump sum payment if you’re diagnosed with a serious condition, giving you the financial security to manage your treatment, recovery, and day-to-day expenses.

What is Critical Illness Cover?

Critical illness cover is an insurance policy that pays out a lump sum if you’re diagnosed with a specified serious illness during the term of the policy. Conditions commonly covered include heart attacks, strokes, certain cancers, and other life-changing illnesses. The payout can be used however you need, whether that’s covering medical costs, mortgage payments, or simply maintaining your standard of living while you focus on getting better.

Key Benefits of Critical Illness Cover

Financial Support During Challenging Times:
A critical illness diagnosis can disrupt your life in many ways, including financially. The payout from a critical illness policy can help cover lost income, additional care costs, and everyday living expenses, providing you with financial stability when you need it most.
Tailored Coverage:
Critical illness cover can be customized based on your health, budget, and specific concerns. You can choose the level of coverage that suits your needs, and any additional features based on your specific needs and budget, ensuring you’re protected without paying for unnecessary extras.
Peace of Mind:
With critical illness cover, you have the reassurance that if the unexpected happens, you and your family won’t be left struggling to make ends meet during a difficult time.
Children’s Critical Illness Cover:
Most critical illness plans offer the option to include coverage for your children. This means if your child is diagnosed with a covered critical illness, a payout will be made to help with medical costs or any necessary lifestyle adjustments. Adding children to the plan provides an extra layer of protection and peace of mind for your family.

How Critical Illness Cover Works

Lump Sum Payout: The policy typically pays out a lump sum if you’re diagnosed with a covered critical illness. This amount can be set as fixed, increasing, or decreasing based on your preference and needs:

– Fixed Lump Sum: The payout remains the same throughout the policy term.

– Increasing Lump Sum (Indexed): The payout increases annually, often in line with inflation (e.g., RPI), helping to maintain the value of your cover over time.

– Decreasing Lump Sum: Often used for mortgage protection, the payout reduces over time, typically matching the decline in your mortgage balance.
Family Income Benefit for Critical Illness:
Rather than a lump sum, this option provides regular payments if you are diagnosed with a critical illness during the policy term. The payments continue for the remainder of the term, helping to replace lost income and maintain your family’s financial security over time.
Life or Critical Illness Cover:
Critical illness cover is often set up as “life or critical illness” cover, meaning the policy will pay out in either situation—if you’re diagnosed with a critical illness or if you pass away during the term of the policy. This structure ensures that your loved ones receive financial support when it’s needed most.

How We Help?

Personalized Advice: We start by understanding your health history, family situation, and financial goals. Based on this, we recommend critical illness cover options that offer the right level of protection for you.
Access to a Wide Range of Providers: We compare policies from across the market, helping you find the most comprehensive and cost-effective cover available. We’ll ensure you get a policy that meets your needs and budget.
Ongoing Review and Support: Your protection needs may change over time as your family grows, your health evolves, or your financial situation changes. We offer regular reviews to keep your cover up to date and relevant.

Why Choose Us?

Expert Guidance:
We specialize in finding critical illness cover that matches your specific needs. Our advice is always impartial and focused on what’s best for you.
Clear and Honest Advice:
We explain exactly what’s covered in plain language, so there are no surprises later. You’ll know exactly what your policy includes and how it can support you in tough times.
End-to-End Service:
From helping you choose the right policy to assisting with claims if necessary, we’re here to support you every step of the way.

Important Information:

Disclaimers:
Critical illness cover only pays out for conditions specified in your policy and may be subject to terms and exclusions. The policy has no cash value unless a valid claim is made.

Interested in learning more about critical illness cover? Get in touch for a free, no-obligation consultation, and let’s find the right protection plan for you

Income Protection

Your ability to earn an income is one of your most valuable assets. Income protection ensures that if you’re unable to work due to illness or injury, you can still receive a regular income to cover your essential living costs. This type of cover provides long-term financial security, giving you peace of mind when life takes an unexpected turn.

What is Income Protection?

Income protection is a type of insurance that pays out a regular income if you’re unable to work due to illness, injury, or disability. Income protection delivers ongoing payments, typically until you can return to work or until the policy ends. The payments are designed to replace a significant portion of your lost income, helping you cover everyday expenses, mortgage payments, and other financial commitments.

Key Benefits of Income Protection

Financial Security During Extended Illness:
Income protection ensures you can continue meeting your financial obligations even if you’re unable to work for an extended period. This is particularly valuable if your employer’s sick pay is limited or if you’re self-employed with no safety net.
Flexible Coverage Options:
Income protection policies can be tailored to fit your needs, with options for how much income you’ll receive, when payments start, and how long they continue. Whether you need short-term cover or a policy that lasts until retirement, or any additional features based on your specific needs and budget, we can help you find the right solution.
Comprehensive Protection:
Income protection covers a wide range of situations, ensuring that you’re supported through various scenarios that could affect your ability to work.

How Income Protection Works?

Monthly Benefit Payments:
The policy pays out a percentage of your gross income, usually up to 65%, if you’re unable to work due to illness, injury, or disability. Payments start after a waiting period (known as the deferred period) and continue for the duration specified in your policy.
Customizable Options:
You can choose the deferred period (the time before payments begin) to suit your needs—whether that’s a few weeks, months, or longer—depending on any other income or savings you have. Policies can be tailored to pay out for a set period (e.g., 2 years) or until you reach retirement age.
Long-Term Coverage:
Unlike short-term policies that only pay out for a limited time, long-term income protection can provide coverage until you’re able to return to work or until the policy ends, offering more comprehensive protection.

How We Help?

Personalized Advice: We take the time to understand your financial situation, employment type, and existing safety nets (like employer benefits or savings). Based on this, we recommend income protection policies that offer the right level of support for your specific circumstances.
Access to a Wide Range of Providers: We search the market to find the most suitable and competitively priced policies, giving you options that align with both your budget and protection needs.
Ongoing Support and Review: As your circumstances change—whether due to a new job, a change in income, or different financial priorities—we’re here to review and update your policy to ensure it still provides the coverage you need.

Why Choose Us?

Expert Knowledge of Income Protection:
We have extensive experience helping clients find income protection that matches their specific employment type, whether you’re employed, self-employed, or working on a contract basis.
Clear, Impartial Advice:
We explain your options in simple terms, helping you understand the benefits and limitations of each policy so you can make an informed decision.
End-to-End Service:
From selecting the right policy to assisting with claims if you ever need to make one, we’re with you every step of the way, ensuring you’re fully supported.

Important Information:

Disclaimers:
Income protection policies generally cover a broad range of illnesses or injuries that prevent you from working. However, there may be exclusions based on your health history, occupation, or lifestyle, so it’s important to review the policy terms carefully.

Interested in protecting your income and financial security? Get in touch for a free, no-obligation consultation, and let’s explore the income protection options that suit your needs.

Accident Protection

Life is unpredictable, and accidents can happen when you least expect them. With MetLife’s EverydayProtect plan, you can secure financial support if you’re injured or affected by an accident, helping you maintain financial stability while focusing on your recovery.

What is MetLife’s EverydayProtect Plan?

The EverydayProtect plan from MetLife is a flexible accident protection policy designed to provide financial assistance if you suffer an injury or accident. It covers a wide range of everyday risks, offering peace of mind that you’ll receive a payout if life takes an unexpected turn. This plan is known for its simplicity and flexibility, allowing you to tailor the cover to suit your needs.

Key Benefits of the EverydayProtect Plan

Flexible Coverage Options: The plan allows you to choose from different levels of cover, ensuring that your policy matches both your protection needs and your budget. You can start with a basic level of protection and increase it as your circumstances change.
No Medical Questions Required: One of the standout features of EverydayProtect is that it requires no medical underwriting. This makes it accessible to many individuals who might struggle to get cover due to health conditions.
Covers a Range of Everyday Accidents: EverydayProtect provides financial support for a wide range of injuries, from minor fractures to more severe accidents. This includes payouts for broken bones, hospital stays, and accidental death.
Immediate Financial Support: The plan provides rapid payouts, allowing you to quickly access funds to cover medical costs, household bills, or any other financial commitments following an accident.

How EverydayProtect Works?

Lump Sum Payments for Injuries:
EverydayProtect offers lump sum payments for injuries like fractures, dislocations, and ligament tears. The payout amount depends on the severity of the injury and the level of cover chosen.
Hospital Stay Benefits:
If you’re hospitalized, the policy provides daily cash benefits, helping you cover additional expenses during your recovery.
Accidental Death Benefit:
In the unfortunate event of accidental death, the policy pays out a lump sum to your beneficiaries, offering financial security to your loved ones.
Family Cover Options:
EverydayProtect allows you to extend cover to your children, providing a comprehensive safety net for the whole family.

How We Help?

Tailored Advice Based on Your Needs: We work with you to determine the appropriate level of cover based on your lifestyle, risk profile, and budget, ensuring you get the right protection with the flexibility that EverydayProtect offers.
Easy Policy Setup: With no medical questions required, getting started with EverydayProtect is straightforward. We handle the setup process for you, ensuring everything is in place quickly and efficiently.
Ongoing Support and Policy Review: As your needs change, we’re here to help you adjust your coverage. Whether you need to increase your level of protection or add family members, we’ll guide you through the process.

Why Choose Us?

In-Depth Knowledge of MetLife’s EverydayProtect Plan:
We have extensive experience working with the EverydayProtect plan, allowing us to offer clear guidance and personalized advice based on your unique needs.
Simple, Hassle-Free Setup:
With no medical questions and flexible cover options, we make it easy for you to get protected quickly and with minimal effort.
End-to-End Service:
From selecting the right level of cover to supporting you through claims, we’re here for you every step of the way.

Important Information:

Disclaimers:
EverydayProtect has exclusions and limits based on the type of injury and the coverage selected. It’s important to review the policy terms carefully to understand what is and isn’t covered.

Interested in learning more about MetLife’s EverydayProtect plan? Get in touch for a free, no-obligation consultation, and let’s explore how this plan can provide financial security for you and your family.

ChildShield

As a parent, ensuring your child’s safety and well-being is your top priority. MetLife’s ChildShield policy provides financial support if your child is affected by a serious accident or illness, giving you peace of mind that help is available when you need it most.

What is ChildShield?

ChildShield is a specialized protection policy designed specifically for children. It provides financial benefits if your child suffers from a covered injury, is hospitalized due to an accident, or is diagnosed with a specified critical illness. This policy is designed to help with the unexpected costs that arise during difficult times, allowing you to focus on supporting your child.

Key Benefits of ChildShield

Financial Support for Injuries: ChildShield offers payouts for a range of injuries, including minor and major broken bones, burns, and hospital stays due to accidents. The benefits can be used to cover medical expenses, additional childcare, or even time off work to care for your child.
Critical Illness Cover for Children: The policy includes protection against critical illnesses such as cancer, benign brain tumors, type-1 diabetes, bacterial meningitis, rheumatic fever, and paralysis, providing a lump sum payment if your child is diagnosed with one of these conditions.
Hospitalization and Intensive Care Benefits: If your child is hospitalized due to an accident or illness, ChildShield provides a daily cash benefit, with enhanced payouts for stays in the intensive care unit (ICU). This helps cover additional costs like travel, meals, and accommodation near the hospital.
Flexible Coverage Levels: ChildShield is available in two options:

– ChildShield Standard: £6 per month, offering core coverage with set payout levels.

– ChildShield Plus: £11 per month, which doubles the payout amounts while remaining affordable. This option gives parents enhanced protection at a competitive price.

How ChildShield Works?

Lump Sum Payments:
The policy provides lump sum payments for injuries like minor and major broken bones, burns, and hospitalization, as well as for critical illness diagnoses such as cancer and benign brain tumors.
Affordable and Tailored Cover:
You can choose between ChildShield Standard and ChildShield Plus based on your needs and budget. The Plus option offers higher payouts, giving you more comprehensive protection while still being cost-effective.
Stand-Alone Policy:
ChildShield is a stand-alone policy, meaning it’s separate from other protection plans you may have, allowing you to tailor specific cover for your children without affecting your other insurance policies.

How We Help?

Personalized Recommendations:
We assess your family’s needs and help you choose the right level of cover based on your budget and the specific risks your children may face. Whether you’re looking for broad coverage or enhanced protection, we’ll guide you to the right option.
Simple Setup Process:
We handle the setup of the policy, ensuring that all the details are in place quickly and efficiently, giving you peace of mind that your child is protected.
Ongoing Support:
As your family’s needs change, we’re here to review your ChildShield policy and make adjustments as needed, ensuring your cover remains relevant.

Why Choose Us?

Expert Knowledge of Child Protection Policies:
We have experience helping parents navigate specialized policies like ChildShield, providing tailored advice that aligns with your family’s needs.
Straightforward, Hassle-Free Setup:
With simple options and flexible cover levels, we make it easy for you to get the right protection in place.
Dedicated Support:
From choosing the right policy to assisting with claims if needed, we’re here to help every step of the way.

Important Information:

Disclaimers:
ChildShield policies may have specific exclusions and limits based on the type of injury or illness covered. It’s important to carefully review the policy terms to understand what is and isn’t included.

Interested in protecting your child with ChildShield? Get in touch for a free, no-obligation consultation, and let’s explore how this plan can provide vital support for your family during unexpected times.