Life insurance and critical illness cover.
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Peace of mind for you and your loved ones
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Tailored cover to suit you
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Immediate cover with no medical
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Guaranteed acceptance
It’s not for you,
it’s for them
Life insurance is one of the most important forms of protection and an essential consideration for many. Upon the death of the insured a tax-free lump sum is paid, providing peace of mind that your loved ones are financially secure.
Critical illness cover can provide extra protection supporting you if you become critically ill during the policy term. It pays out a tax-free lump sum that can cover health-related costs and monthly expenses until you’re back on your feet again.
Benefits of life insurance and critical illness cover
- Gives you and your loved ones financial peace of mind
- Tax-free pay outs to support your dependants
- Removes financial worry if you don’t have savings
Our life insurance and critical illness cover
With no underwriting questions and a guarantee to accept all applications, we can assure you of a refreshingly quick and easy process. Even if you have a complex medical history, there will be no underwriting questions and a promise to accept all applications.
Life cover
| Life cover benefit | BRONZE £50,000 | SILVER £75,000 | GOLD £100,000 |
|---|---|---|---|
| Non-smoker aged 18-50 | £12.49 per month | £17.59 per month | £22.69 per month |
| Smoker aged 18-50 | £27.14 per month | £39.57 per month | £51.99 per month |
Life cover with critical illness
| Life + critical illness benefit | BRONZE £50,000 + £25,000 | SILVER £75,000 + £37,500 | GOLD £100,000 + £50,000 |
|---|---|---|---|
| Non-smoker aged 18-50 | £28.85 per month | £42.12 per month | £55.40 per month |
| Smoker aged 18-50 | £56.35 per month | £83.37 per month | £110.40 per month |
An additional £25,000 accidental Death Benefit is included on all plans.
Our flexible approach to life and critical illness cover
We can assure a simple and adaptable approach to life and critical illness insurance. Whether you are looking for a combination of life and critical illness, or if you would prefer to take life cover separately, we can help.
Why choose us?
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Tailored to you and your circumstances
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High-risk occupation and sport policies
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Cover for those with a complex medical history
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We compare the market and do all the hard work for you
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We handle the entire process with no charge
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Providing peace of mind for you and your loved ones
Answers to your questions.
Income protection will provide you with an income if you have an accident or fall ill and will continue to pay out until you are well enough to return to work.
Life cover is different and will pay out a lump sum on the event of your death but won’t support you or loved ones if you incur a temporary loss of income.
No, life insurance and critical illness serve different purposes. Critical illness cover pays out a lump sum on diagnosis of a health condition (defined within your policy) while life insurance pays out on the event of death. Both are worth having if you have financial dependants.
Having some form of life insurance in place is really important if you have people who are financially dependent on you and would be worse off if you passed away. This could be a spouse, partner or children.
To have life insurance in place would provide reassurance that those who you care about are covered if you die with the money being used to meet the monthly mortgage payments and other household bills.
We listen to your needs and tailor the cover to suit you and your situation.
We are unique in that we insure individuals who have a complicated medical history and we cover high risk sports and occupations. We also offer a guaranteed acceptance on applications and will handle the whole process from start to finish with no charge.
Our insurance partners will insure most sports and pursuits. We can arrange cover for dangerous sports such as Rugby, Football, Motorcycle Enduro Riding, Motorcycle Track Days, Equestrian Events, Sailing, Skiing and many other sports.
Our insurance partners will insure most occupations including dangerous roles such as working at height, construction and engineering, off shore roles and even aviation. Additionally, we are able to obtain bespoke packages for the armed forces, commercial pilots and security service staff.
The cost of cover varies according to the type of cover you require and will depend on a variety of factors. We will search the whole market to ensure your needs are met and we will do this by tailoring our policies and offering them at the best price possible.
To understand how much life insurance and/or critical illness would cost for you, give our friendly team a call today on 0333 355 2468, Monday to Friday from 9-5pm.
Alternatively, you can start your online quote HERE.
Yes, we can refer you our affiliated partner, Mallory Financial Limited.
If you’re looking for a mortgage, a loan or protection, their friendly advisors will work with you to find the right solution for you.
This does depend on the policy you take out. We do offer immediate acceptance for certain policies, however it will take a number of days for your policy to become effective.
There are no costs associated with applying for this type of insurance. The only cost will be the monthly payment you will make if you decide to go ahead with a plan. You can also choose to pay for your cover annually.
Yes, it is possible to make changes to you cover. The details and extent of any changes will be up to the insurance provider and will be outlined in the terms stated in your policy documents. It is also possible to add or remove critical illness or life insurance.
To discuss these changes, please contact your insurance provider. A quick call is all it will take to secure clarification and to get the ball rolling.
However, we are here to help you with the process and to provide you with guidance along the way. Give our friendly team a call on 0333 355 2468, Monday – Friday, 9am-5pm.
Yes, you can cancel your policy at any point in time.
Please call our helpline on 0333 355 2468 or alternatively, write to us at:
Customer Services Team
Protect My Income
Mallory House
Goostrey Way
Mobberley
Cheshire
WA16 7GY
Claims are made directly with the insurance provider. A quick call to the claims handling team is all it takes to get the ball rolling.
However, we are here to help you with the process and to provide you with guidance along the way. Give our team a call on 0333 355 2468, Monday – Friday, 9am-5pm.
Our team is here to help answer your questions, whenever you’re ready!
Deborah Newton.
Head of Customer Care.