LEVEL TERM ASSURANCE

Level Term Assurance is where the insurer pays a fixed lump sum should you die or become terminally ill during the policy term.

MORTGAGE INSURANCE

Mortgage insurance also known as Decreasing life insurance, pays a cash sum if you die or are diagnosed with terminal illness with a life expectancy of less than 12 months. The cash sum could be used by your loved ones to help pay off an outstanding mortgage.

INCOME PROTECTION INSURANCE

Pays you a regular income if you can’t work because of sickness or disability and continues until you return to paid work or you retire.

MORTGAGES

Our competent and qualified advisers have a wealth of knowledge so you can feel confident that you are getting the best possible advice.

CRITICAL ILLNESS INSURANCE

Critical Illness cover is a insurance policy that pays a fixed sum should the assured becomes critically ill.

PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH A PLAN.

PRIVATE MEDICAL INSURANCE

Private medical insurance, is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. This service is provided by referral only.

THESE TYPE OF PLANS HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.