Protect the people who matter most.

It's not usually a legal requirement, but it's strongly worth considering. Life cover can pay off your mortgage if you die during the term, so your family can stay in their home. We'll help you weigh up what level of cover makes sense for you — with no pressure.

A sensible starting point is enough to clear your mortgage, plus something for your family to live on. From there it depends on your circumstances — dependants, other debts, savings, and any cover you already get through work. We'll work it through with you properly rather than reaching for a round number.

Life cover pays out if you die. Critical illness cover pays out if you're diagnosed with a serious illness listed in the policy, such as certain cancers, heart attack or stroke. Many people hold both, and we can explain how they work together.

Income protection pays you a regular monthly amount if you can't work because of illness or injury, usually until you recover or reach the end of the policy term. It's often the most overlooked cover of the three, and for anyone whose household depends on their salary it can be the most valuable.

It depends on your age, your health, whether you smoke, how much cover you want and for how long. Life cover is often cheaper than people expect, particularly if you arrange it while you're younger and in good health. We'll give you real figures from across the market before you decide anything.

Usually not. A condition may affect your premium, or lead to a specific exclusion, but it rarely rules cover out altogether. Insurers take very different views of the same medical history, so it's worth having someone search properly rather than accepting the first answer.

Often, yes. Putting a policy in trust means the payout normally goes directly to the people you've chosen, usually without waiting for probate and generally outside your estate for inheritance tax. It costs nothing to arrange at the outset and we'll set it up as part of your advice.