Critical Illness Cover - provides a lump sum of money should the policyholder be diagnosed with having one of the insurer's specified critical illnesses during the term of the policy. Critical Illness cover pays a tax free lump sum on diagnosis of serious illnesses such as heart attack, stroke, cancer, multiple sclerosis to name a few. Good news is that medical advances mean more people than ever are surviving conditions that might have killed earlier generations

Life Cover - provides a cash sum if, during the plan’s term, you die or are diagnosed with a terminal illness, that is expected to lead to death within the earlier of 12 months or the remaining term of the cover.

Income protection - with all of the personal financial commitments we all have these days it is vital in the event of you being unable to work as a result of any illness, over a long period of time those outgoings can be met. The normal waiting period on this type of Policy is 13 or 26 weeks. These types of policy can be adapted to suite your individual requirements.