Protection

Critical Illness - This type of contract provides a lump sum on the diagnosis of a specified illness (such as a heart attack) or on becoming totally and permanently disabled.

Mortgage Protection - This product pays out a lump sum in the event of death (and critical illness if the option has been chosen). The sum assured decreases each year to try and match the outstanding loan.

Life Assurance - Provides a cash lump sum in the event of your death. It is possible to have an investment element linked to it as well.

Permanent Health Insurance (PHI) - This will pay a monthly tax free benefit to replace income lost through illness or disability.

Accident, Sickness and Unemployment - This type of plan pays a specified amount equal to your monthly mortgage payments, for a limited time, in the event of an accident, falling sick or becoming unemployed.

Private Medical Insurance - Provides the costs for Private Medical Care as an alternative to using the NHS.

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