Protection insurance is designed to cushion you or your family against the impact of unexpected, and potentially costly, events, including illness, accident, unemployment and death. 

There is a wide range of protection insurance policies on offer, all of which protect you against different events, and with widely varying cover levels. For most people, one single protection product probably isn't enough. For example, while life insurance will pay out if you die, it won't cover you for long-term illness or unemployment.

why is protection important?

what is protection?

If you were off work for any length of time because of an accident or sickness, or if you were made redundant, there are still bills you'd need to pay, such as your rent or mortgage, gas, electricity and food.

Ideally we'd each have an emergency savings pot to see us through - many experts suggest having a rainy day fund of six to nine months' expenditure in an easily-accessible savings account. However, that's just not practical for many of us. And while it may give you breathing space if you fall ill, it won't cover you or your family for long periods off work.

You should also bear in mind that the state benefit safety net increasingly won't pay you enough to maintain your current lifestyle.

what can I do?

​For all your personal, business and family financial
protection needs

Contact us, we will be able to assess all your protection needs, help you prioritise them and get you the right deal.