No one knows what the future holds but it is very wise to at least plan for the unexpected. In a family setting, there are often several family members dependent on just 1 or 2 income streams. If these incomes were to reduce or stop all together it drastically effect you and your families way of life.
Life cover, income protection and critical illness policies are designed to protect you and your loved ones if the worst was to happen.
Life Cover (non investment type) and Income Protection - The plan will have no cash in value at any time, and will cease at the end of term. If premiums are not maintained, then cover will lapse.
Critical Illness Cover - The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.