Family Protection
Protect What Matters Most – Family Cover
Life brings unexpected challenges, which is why family protection insurance matters. To support your family’s financial wellbeing, we’ll help you explore options including life insurance, critical illness cover, income protection, and children’s critical illness cover.
Each and every family has different circumstances and needs. We’ll help you understand the protection options available to you, finding cover that suits your situation of starting a family, protecting what you’ve built or planning ahead.Â
We focus on clear, honest advice without the jargon. Our approach is straightforward – we’ll explain your options, help you understand difference between policies, and support you to make an informed decision about your family’s protection.Â
Expert guidance through complex choices
Access to whole-of-market choices
Clear explanations of all your options
Suport finding the right cover for all ages
Life Insurance
Life Insurance
Pays out a lump sum to beneficiaries when the policyholder dies, providing financial security for dependents.
Critical Illness Cover
Critical Illness Cover
Provides a lump sum payment if diagnosed with a serious illness like cancer, heart attack, or stroke.
Income Protection
Income Protection
Replaces a percentage of your salary if you can't work due to illness or injury for extended periods.
Children's Critical Illness Cover
Children's Critical Illness Cover
Pays out if your child is diagnosed with a covered serious illness, helping with treatment costs.
Start Here for Questions About Protecting Your Family
We know insurance can seem complicated, so we’ve answered some of the most common questions our clients ask about family protection. If you can’t find what you’re looking for here, just get in touch.
What's the difference between life insurance and critical illness cover?
Your life insurance policy pays out when you die, while critical illness cover pays out if you’re diagnosed with a serious illness like cancer, heart attack, or stroke. Many people select both for complete protection.Â
How much cover do I actually need?
This depends on your family’s lifestyle, debts, and future needs. A good starting point is 10 times your annual income, but we’ll can help you calculate the right amount based on your specific circumstances.Â
Can I get cover if I have existing health conditions?
Yes, often this is possible. We work with insurers who specialise in covering people with various health conditions. Being honest about your health when applying ensures your cover is valid when you need it.Â
What happens if I can't work due to illness or injury?
Income protection insurance replaces a portion of your salary if you can’t work due to sickness or injury. It typically pays out after a waiting period and continues until you are able to return to work or retire.
Why would I need children's critical illness cover?
Children’s CIC (critical illness cover) provides financial support if your child is diagnosed with a serious illness. While thankfully rare, it can help with treatment costs, time off work, and adapting your home if needed.
How quickly can I get cover in place?
Simple life insurance can often be set up within days. More comprehensive cover with medical underwriting might take a little longer, around 2-4 weeks, but we’ll keep you updated throughout the process.
What if my circumstances change after I take out cover?
Most policies can be adjusted. You might be able to increase cover for major life events like marriage, having children, or taking out a mortgage. We’ll review your needs regularly to ensure you stay protected.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Short Term & Bridging Finance
Fast, flexible funding to bridge gaps in property transactions, renovations, or urgent finance needs with quick completion.
Commercial Finance
Secure business property purchases, refinancing, and investment opportunities with tailored commercial lending solutions and expert guidance.
Buy-to-let Mortgages
Maximise rental yields with specialist buy-to-let solutions tailored to experienced and first-time property investors.
Business Insurance
Helps your business stay secure if a senior team member is lost or unable to work and protects each partner’s share in the company.
Development Finance
Fund your property development projects with structured finance solutions covering land acquisition, construction, and project completion.
Refurbishment Finance
Transform properties with specialist renovation funding, offering flexible draw-down facilities aligned to your refurbishment schedule.
Short Term & Bridging Finance
Fast, flexible funding to bridge gaps in property transactions, renovations, or urgent finance needs with quick completion.
Business Insurance
Helps your business stay secure if a senior team member is lost or unable to work and protects each partner’s share in the company.
Residential Mortgages
Secure competitive rates and flexible terms for your home purchase with our expert guidance and market knowledge.
Buy-to-let Mortgages
Maximise rental yields with specialist buy-to-let solutions tailored to experienced and first-time property investors.
High Value Mortgages
Exclusive lending solutions for premium properties, offering bespoke terms and competitive rates for substantial borrowing requirements.
Short Term & Bridging Finance
Fast, flexible funding to bridge gaps in property transactions, renovations, or urgent finance needs with quick completion.
Stamp Duty & Mortgage Calculator
Calculate your property costs accurately with our comprehensive tools, ensuring informed decisions and proper financial planning.
Property Insurance
Protecting your home's structure, belongings, and rental income from fire, theft, storms, and tenant issues.
Equity Release
Unlock property wealth in retirement with specialist equity release solutions designed to enhance your financial flexibility.
Residential Mortgages For Older Borrowers
Specialist mortgage solutions for over 55s, offering flexible terms and competitive rates tailored to later-life.
Property Insurance
Protecting your home's structure, belongings, and rental income from fire, theft, storms, and tenant issues.
Property Insurance
Protecting your home's structure, belongings, and rental income from fire, theft, storms, and tenant issues.
Business Insurance
Helps your business stay secure if a senior team member is lost or unable to work and protects each partner’s share in the company.
Family Insurance
Includes financial support for your loved ones if you pass away, a lump sum for serious illnesses like cancer or stroke, regular income if you can't work, and cover for your child's critical illness so you can focus on their care.
Family Insurance
You want to know your family’s future is secure. I’m Stuart and I want to make it simple for you to put the right protection in place, without the jargon.
