What we offer?

What are the different types of life insurance cover?

• Life insurance is intended to pay out a tax-free lump sum upon the death of an insured individual. Understandably, life insurance can be difficult to think about. But when it comes to protecting your family and dependents, it’s likely to be one of the most important things you can do.

• If you’re a high net-worth individual, this is an especially key consideration. Life insurance is helpful for many people, but for wealthy individuals with large financial obligations to meet, it’s often even more crucial.

• There is a wide range of life insurance cover available to you. Each type with its own benefits and costs. This includes:

• Decreasing term insurance: typically the cheapest option, in which the level of cover diminishes over time.

• Level term insurance: in which the level of cover stays the same over time.

• The whole of life insurance: which covers the insured individual for their entire lifetime, to pay out upon death.

 What is the Critical Illness cover?

• Critical Illness Cover can help minimize the financial impact on you and your family if you become critically ill. It’s an option that can be added for an extra cost when you take out Life Insurance or Decreasing Life Insurance.

• Critical Illness Cover can be added to Level term Life Insurance or Decreasing term Life Insurance for an extra cost. It could pay out a cash sum if you’re diagnosed with or undergo a medical procedure for one of the specified critical illnesses that the policy cover during the length of your policy, and you survive for 14 days from diagnosis.

• The cash sum could be used to help with childcare costs, and household bills or to help maintain your standard of living if you're forced to take time off work to recover.

• Some providers could include  Children's Critical Illness Cover automatically.

• A critical illness can affect anyone at any age and can turn lives upside down. In the event of being unable to work due to critical illness, having a backup plan in place can alleviate some of the financial stress of the situation. Some people may use their savings to supplement their loss of income, others may rely on an employee benefits package, while others may find that Critical Illness Cover is their best option.

What is Private Medical Insurance?

• PMI is designed to provide you with fast access to the best possible treatment. 
• Unlimited in-patient & day-patient treatment core cover never limits in-patient and day-patient treatment. 
• Any treatment is made available for as long as it’s needed at an eligible hospital based on your treatment option. 
• You could choose cover for all stages of cancer, including access to the latest drugs and treatments. 
• Out-patient surgery If you need an outpatient surgical procedure it can be performed by a specialist at an eligible hospital based on your treatment option. 
• Private ambulance When it’s essential that an in-patient or day-patient has medical treatment whilst they travel to, between, or from the hospital we’ll provide a private road ambulance. 
• Home nursing Sometimes patients still need nursing once they leave the hospital. So,if required, home nursing is made available to in-patients and day patients following treatment. 
• Parental accommodation If your children require treatment in the hospital it can be a worrying time, so you can stay with your child (up to age 18) for as long as it takes.
• Post-operative physiotherapy Often it can take more than surgery to get you back on your feet. If that’s the case core cover will provide sessions of post-operative out-patient physiotherapy following in-patient, day-patient or out-patient surgery. 
•  NHS cash benefit If it’s easier for you to have free in-patient treatment under the NHS and the treatment would be covered under your policy, 
• Access to free medical advice through our Health app. Health app gives you and your immediate family free, direct access to medical experts when you need them. The services can be accessed from anywhere in the world through your smartphone or tablet and include:  
• Remote GP appointments  
• Second medical opinions
• Physiotherapy  
• Mental health support  
• Registered dietitian consultations
• Lifestyle and nutrition consultations. 

• Buildings insurance is designed to cover the cost of repairing damage to the physical structure of a property. This damage could be caused in a range of ways, including but not limited to flood, fire, and vandalism.

• People are sometimes confused by what is covered under buildings insurance and what is covered under contents insurance – especially since the two are often spoken of in the same breath. Buildings insurance protects ‘permanent’ fixtures of the property, such as floors, windows, bathroom fixtures, and so on.

• Contents insurance, meanwhile, refers to the items within your home. Essentially, if it’s something you could pick up and move to a new property, it’ll likely fall under this bracket. 

• Contents insurance can also cover items that leave your home and are kept about your person, such as jewelry and watches.

• While most people have contents insurance, wealthy individuals typically need to work with a specialist insurer to ensure they get the correct level of cover.