Life Insurance
Life insurance can provide a lump sum to your beneficiaries if you die during the policy term, helping them deal with financial commitments such as the mortgage and household costs.
Ask about life cover
PROTECTION ADVICE IN NEWCASTLE
Protect the people, income and things that matter most.
The right protection can help provide financial support if illness, injury, death or an unexpected event affects your family or your finances.
From life insurance and critical illness cover to income protection and home insurance, we'll help you understand the options and find cover that fits your circumstances.
PROTECTION ENQUIRY
Start with what matters to you.
Tell us a little about your circumstances and the protection you're considering, and we'll help you understand what may be suitable.
UNDERSTANDING PROTECTION
Protection is about more than life insurance.
Your financial commitments don't stop if you become seriously ill, unable to work or die. Protection is about making sure the people who depend on you — and the things you've worked hard for — have a financial safety net if circumstances change.
01
Protect your family
Life insurance can provide a financial payment following your death, helping your family manage the mortgage, household bills and other commitments at an already difficult time.
02
Protect your income
Your income is often one of your biggest financial assets. Income protection can provide an ongoing income if illness or injury means you're unable to work, subject to the terms of the policy.
03
Protect against serious illness
Critical illness cover can provide a lump sum if you're diagnosed with one of the specified conditions covered by the policy. This could give you greater financial flexibility while you focus on your recovery.
YOUR PROTECTION OPTIONS
Different risks need different types of cover.
There isn't one policy that protects against everything. The right combination depends on your income, family circumstances, commitments and the risks you want to plan for.
Critical Illness Cover
Critical illness cover can provide a lump sum following diagnosis of a specified condition covered by the policy, giving you financial options when you may need them most.
Ask about critical illness coverProtect Your Income
Income protection is designed to provide an ongoing income if illness or injury prevents you from working, subject to the policy's definition of incapacity and other terms.
Explore income protectionBuildings & Contents Insurance
Your home and belongings can represent a significant financial commitment. Buildings and contents insurance can help protect against a range of risks, depending on the cover selected.
Review my home cover
GETTING THE RIGHT LEVEL OF COVER
How much protection would make a difference?
There's no universal amount of cover that works for everyone. The right level depends on what you earn, what you owe and who relies on you financially.
For some people, the priority might be making sure the mortgage could still be paid. For others, it could be replacing lost income, helping with childcare costs or giving their family financial breathing room.
We can look at your existing policies alongside your current circumstances, so you're not paying for cover you don't need or overlooking an important gap.
Review My Existing Cover
START WITH THE BASICS
What should you consider?
01
Your income
How long could your household manage if your income reduced or stopped?
02
Your mortgage
Would your family be able to maintain the mortgage and other household commitments?
03
Your family
Who depends on your income and what financial support might they need?
04
Your existing cover
Do your current policies still reflect your circumstances, or have things changed since you took them out?
PROTECTION REVIEW
REVIEW
Does your cover still fit your life?
Protection policies are often kept for years. Your circumstances can change considerably during that time.
Income
Has your salary changed?
Family
Have your responsibilities changed?
Mortgage
Has your borrowing changed?
DON'T JUST SET IT AND FORGET IT
The cover you took out years ago may no longer be the cover you need today.
A new job, a bigger mortgage, marriage, children or changes to your finances can all affect the level of protection that makes sense for you.
That doesn't necessarily mean you need to replace your existing policies. In some cases, your current cover may still be suitable. The important thing is understanding what you already have and whether it still matches your circumstances.
We can review your existing protection alongside your current situation, explain what your policies actually cover and highlight any areas worth considering.
Review My Protection
PROTECTION FAQS
Questions people often ask about protection.
Protection policies can cover very different risks, so it's worth understanding how they work and what to consider before choosing cover.
Not necessarily, but life insurance can still be worth considering if someone depends on your income or you have other financial commitments you would want to provide for. The right decision depends on your circumstances.
Life insurance is designed to provide a payment if you die during the policy term. Critical illness cover can provide a lump sum if you're diagnosed with one of the specified conditions covered by the policy. They protect against different risks and can sometimes be considered together.
No. Income protection is designed to provide an ongoing income if illness or injury prevents you from working, subject to the policy terms. Critical illness cover is generally designed to provide a lump sum following diagnosis of a specified condition covered by the policy.
Yes. We can look at your existing policies alongside your current circumstances and explain what they cover. A review doesn't automatically mean replacing your existing cover.
There isn't a standard amount that suits everyone. It can depend on your income, mortgage and other debts, household spending, family responsibilities and the savings or existing protection you already have.
No. Protection advice can be considered whether you're buying a home, remortgaging, renting or simply reviewing your wider financial circumstances.
REVIEW YOUR PROTECTION
Let's make sure your protection still fits your life.
Whether you're starting from scratch or simply want to understand the cover you already have, we can help you work through your options.
Tell us a little about what you're looking to protect and we'll take it from there.