INSURANCE TYPES
Pays a tax-free lump sum if you’re diagnosed with a serious illness such as cancer, a heart attack or a stroke.
It gives you breathing space when income may drop and bills don’t stop, allowing you to focus on recovery, not finances.
This is especially important if you’re self-employed or rely on your physical ability to earn.
CRITICAL ILLNESS COVER
Pays you a monthly income if you can’t work due to illness or injury.
It’s one of the most overlooked types of cover, even though it’s claimed on more than most people realise. Most claims come from everyday issues, not dramatic accidents.
If your income pays your bills, this is often the most important protection to have.
INCOME PROTECTION
Provides a payout if you’re injured in an accident, helping with short-term financial impact while you recover.
It’s particularly useful for:
physical or manual jobs
self-employed workers
people active in sport or fitness
It’s a simple layer of protection that supports you when injury disrupts work.