Life Insurance

This kind of policy is designed to pay out a lump sum to cover your mortgage loan if you die.

Critical Illness Insurance

This policy pays out a lump sum if you're diagnosed with a critical illness, such as cancer, a stroke, MS, a major organ transplant, coronary artery bypass, heart attack and kidney failure. You can use the payout to pay for medical treatment, pay off your mortgage or anything else.

Income Protection Insurance

This type of policy replaces a significant part of your income if you are unable to work for a long period of time due to illness or disability.

Serious Illness Insurance

This is a flexible policy that provides cover in the event of death, serious illness, disability, unemployment and loss of income for medical reasons.

Mortgage Payment Protection Insurance

If you have a mortgage, you really should consider this. A typical policy will start to pay your mortgage after your income stops should you encounter redundancy, accident or illness. And continue to pay for 12 months.

Your payments will be variable and linked to a base rate, but fixed not to go above a certain level (the cap or sometimes called ceiling) during the period of the deal. At the end of the agreed period you will normally move to the lenders standard variable rate. 
This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance visit the website at The monthly cost for every £100 of benefits equates to £xxx per month on average.