Family protection is a broad term covering life insurance, critical illness cover, income protection and other policies designed to provide financial security for your loved ones. We'll match you with a specialist adviser who reviews your circumstances and finds the right combination of cover.
Why family protection matters
If anyone depends on your income — a partner, children, or other family members — the right protection ensures they're looked after financially if you're unable to work or pass away. The right cover can replace income, pay off debts, or provide a lump sum when it's needed most.
Types of family protection
- Life insurance — pays out a lump sum or regular income if you pass away during the policy term.
- Critical illness cover — provides a tax-free lump sum if you're diagnosed with a specified serious illness.
- Income protection — replaces a portion of your income if you're unable to work due to illness or injury.
- Family income benefit — pays a regular tax-free income to your family until the end of the policy term.
Why speak to an adviser?
Protection needs are personal. An adviser can review your circumstances, explain the options available, and help you find cover that fits your budget and needs. They can also identify gaps in any existing cover you may have.
What you might need to hand
- Details of your income, debts and monthly outgoings
- Number and ages of dependants
- Any existing employer benefits or protection policies
- Information about your health and family medical history