Life Insurance


Life Insurance

Life assurance is a cost effective way to protect loved ones, in the event of unforeseen circumstances. Basic life cover can provide a lump sum to repay your mortgage in the event of death, of either spouse during the term of the policy.


Critical Illness or Serious Illness Cover

Critical illnesses can strike at any point. The key benefit of critical illness cover, is that claims are paid out when you are diagnosed with one of many specified critical illness during the term of the policy. Unlike basic life cover, which only pays out on death of the insured. Critical illness insurance  provides financial security for people and their families whilst they are recovering from a life threatening illness. 


Underestimating the true value of your life can cause major financial  problems, if you were diagnosed with a critical illness. Critical illness cover provides a specified cash lump sum in the event of being diagnosed with one of many specified critical illness during the term of the policy. Additional benefits are available for an additional premium. Some examples are waiver of premium, guaranteed rates and children’s critical illness. Critical illness cover provides financial security while you are recovering  from a life threatening illness.


1.3 million people in the UK today, have survived a stroke. One person every five minutes will suffer a stroke or transient ischaemic attack (TIA). In the UK today, one person every three minutes will suffer a heart attack. There are one million people alive in the UK who have survived a heart attack. These figures are without considering statistics related to other critical illness such as cancer and the many other. (Statistics are from the British Heart Foundation in November 2018)


Terminal Illness Cover

Terminal illness cover provides an advance payment if the insured person is diagnosed with a terminal illness. Terminal illness cover is an  early life cover claim, normally during the last 12 months of the insured’s life. Terminal illness cover is not the same as critical illness cover or serious illness cover. The key difference being recovery is not possible.


Income Protection

Provides income in the event of being unable to work due to accident or sickness. Covering your basic living expenses such as your mortgage payments or household bills. This should be vitally important to all families and is not as expensive as people would believe.


This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at


If you’re interested in more information please contact us on 0151 222 5706 or There are many more options available. click here to Speak to a professional.