The types of cover we advise on and why you might need them.

1. Life Cover; pays out in the event of death during the term of the plan.


Why might you need it?

  • To cover a mortgage or other debts.

  • To protect your beneficiaries against any inheritance tax liability.


Do you want your beneficiaries to be left with the burden of selling your property just to pay the mortgage debt. They may have to sell at a reduced cost and may have the mortgage costs to pay while they are selling it.


2. Critical Illness; pays out in the event of being diagnosed with a critical illness.

Why might you need it?


  • To help fund medical costs, to make lifestyle changes, replace any loss of income.

  • To pay off your mortgage or go towards the monthly payments.



  • 1 in 2 of us will suffer a critical illness during our lifetime.

  • How might your life and priorities change if you were faced with a life changing condition? And do you have the finances to support that.

3. Income Protection; pays out in the event of being unable to work due to sickness or accident.

Why might you need it?


  • If you have little savings to fund any time off work while you recover.

  • If you have limited or no cover from work other than statutory sick pay.

  • If you are self employed and reliant upon your own ability to work.

  • If you have financial commitments to maintain i.e a mortgage.



  • In 2018 the average age of a claim was 43 for the provider Royal London with the average length of time a plan was paid out for being 9 years and 11 months.

  • Could your savings last 9 years and 11 months? If you think family could help consider the impact on their savings and lifestyle.


It is important to protect yourself and your lifestyle.

Image by Sujitkun Khantayana

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