Pays out a lump sum to your loved ones if you die during the policy term. Ideal for protecting a mortgage, replacing lost income, or simply giving your family financial security.

Provides life cover with no fixed end date, guaranteeing a payout whenever you die, provided premiums are paid. Commonly used for inheritance tax planning or covering funeral costs.

An employer-provided benefit that pays a lump sum, often a multiple of salary, to an employee’s family if they die while employed. A key part of many workplace benefits packages.

Pays a tax-free lump sum on diagnosis of a specified serious illness, such as cancer, heart attack or stroke. Helps cover medical costs, mortgage payments or lifestyle adjustments during recovery.

Replaces a portion of your income if you’re unable to work due to illness or injury, paid regularly until you return to work or the policy ends. Protects against long-term loss of earnings.

Covers the cost of private medical treatment, allowing faster access to diagnostics, specialists and procedures outside the NHS. Popular for reducing waiting times and providing greater choice of treatment.

Ensures remaining shareholders can buy back shares from a deceased or critically ill co-owner’s estate, helping to keep business control within the existing team.

Compensates a business for the financial loss caused by the death or critical illness of a key employee or director. Helps cover lost revenue, recruitment costs or debt obligations.

Pays a regular, tax-free income to your family, rather than a lump sum, if you die during the policy term. Designed to replace ongoing income and provide financial security for your family.