Although it isn’t nice to think about, it is important to think about cover for any severe illnesses or death that could have an impact on your loved ones.

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Whole of Life insurance is a policy to pay out to your loved ones after you pass away, as a means of ensuring they are both financially secure and also able to manage any commitments you leave behind. This is lifelong protection that can make a difficult time that little bit less stressful.

Family income benefit is a very good solution to difficult circumstances - if one partner in a household dies and there is a loss of their salary, for example. Taking out this policy allows you to prepare for the worst as it provides regular payments over an agreed period of time in the form of an annual income to provide stability and security in times when it is most sorely needed.

Private medical insurance, in simple terms, is a policy where regular payments can be used to cover any medical treatment you may need in the future, whenever and wherever you need it – including that potentially life-saving quicker diagnosis.

Income protection policies are designed to provide  financial support if you ever find yourself in a situation where you need to take extended time off work because of illness or injury, to ensure you are financially stable while you focus on what really matters.

Business protection insurance pays out a pre-agreed sum of money for your company should one of the key members of the organisation either die or become seriously ill. It is a key way of protecting against the unexpected and reassuring your staff that you truly care about them in the long-term.