Life holds no guarantees, but you can put protection in place so that if the worst should happen, your loved ones will be protected financially.

We all want the very best for our family throughout their lives, but we need to plan to achieve it. We can structure your finances to meet your family’s needs whether it’s providing income, paying for university, or providing a tax-efficient legacy in later life.

Serious illness or injury can occur at any time and will inevitably cause strain on families financially, as well as personally. Products such as income protection, life insurance and critical illness cover improve the financial resilience of individuals, households and businesses and give peace of mind.

Raluca Boroianu‑Omura, ABI Assistant Director, Head of Health and Protection


Get help from an adviser to find out how you are covered, and organise protection appropriate to your needs

Find out more

Different types of cover

There are many different ways to protect against the unknown. Protection is personal, and if you’re interested in finding out more about what you can do to guard yourself and our family against unforeseen change, download our brochure, or contact your local office to arrange an appointment.

Here are some examples of protection products and how they work:

  • Critical Illness Cover

    CIC is designed to pay a cash lump sum or monthly income on diagnosis of a specified critical illnesses, during the policy term.

  • Life insurance

    Life Insurance is designed to pay a cash lump sum or monthly income if you die, or are diagnosed with a terminal illness, during the term of the contract.

  • Whole of life cover

    Whole of life cover is designed to give dependants or beneficiaries a pay-out on the death of the person covered.

98% of claims were paid out in 2018

including 98% of term life insurance claims and 92% of critical illness claims (according to ABI)

The Financial Conduct Authority does not regulate university/school fees planning.