Protect What Matters Most
Most people insure their car, their home and their phone without hesitation. Fewer protect the income that pays for all of it. If you were unable to work, or if something happened to you, would your family be financially secure? Our advisers help you answer that question honestly and put the right cover in place.
Life insurance
A life insurance policy pays a lump sum or regular income to your family if you die. Getting the right amount, the right type and the right term makes the difference between a policy that genuinely protects and one that falls short when it matters most.
Critical illness cover
If you were diagnosed with a serious illness, would your finances hold up while you recovered? Critical illness cover pays a lump sum on diagnosis of specified conditions, giving you financial breathing room at the worst possible time.
Income protection
State sick pay rarely lasts long. An income protection policy replaces a portion of your earnings if you are unable to work due to illness or injury, for as long as you need it. It is arguably the most important cover most people do not have.
Family income benefit
Rather than a single lump sum, family income benefit pays a regular income to your family for a set period after your death. For families with young children and a mortgage, it can be a more practical way to replace what you contribute.
Business protection
If you own a business, losing a key person, a partner or a co-director can have severe financial consequences. Business protection ensures the firm can survive and continue, whatever happens.
Reviewing what you already have
Cover taken out years ago may no longer reflect your circumstances. A review can identify gaps, duplication or policies that are no longer competitive. We make sure what you have still does what you need it to.
Book a free protection review
Our advisers will assess your current position, identify what would actually happen to your finances in different scenarios, and recommend the cover that fills the gaps that matter most.
Not ready to book yet? Download our free guide
Our free guide Get Thinking About Protection walks you through the main types of cover available and how to work out what you actually need. Download it now, no registration required.
This guide is based on the opinion of Continuum and does not constitute financial advice. You should seek independent financial advice before taking any course of action.
In relation to critical illness cover, if premiums stop, then cover will lapse. Cover is subject to terms and conditions and may have exclusions. Definitions of illnesses vary from product provider and will be explained within the policy documentation.