It is a sad fact that while most of us are quite happy to insure our car, our home, holidays and even mobile phones, few of us take as much care to insure our own lives, or that of our loved ones. But what would you do if you lost your job, became ill or worse still you or your partner died? Have you thought how you are going to meet your monthly mortgage payments, or pay off the outstanding mortgage balance.

Choosing the right type of 'protection insurance' for you and your family is not always as straight forward as you may think. Most people do not like talking about illness or death, but protecting our loved ones and ourselves from the accidental and unforeseen does need careful planning.

• life assurance / Term Assurance - Pays out a lump sum if you die within a specific number of years or term.
• Mortgage / Protection Assurance - A decreasing term assurance to covers your mortgage in the event of your death
• Critical Illness Cover - To protect you if you are diagnosed with one of a number of specified critical illness, there can be up to 48 illness's covered, including childrens cover.
• Serious Illness Cover - Pays out on defined critical illness, and smaller amounts on less serious illness, up to 160 illnesses covered.
• Income Protection - or PHI, will pay up to 65% of your income tax free, if you are unable to work due to sickness.
• Family Income Benefit - Replaces your income in the event of your death, over a specified term.
• Whole of Life - Covers you whenever you die, mainly used for funeral cover and IHT liabilities.
• Pre Paid funeral Plans - Guaranteed acceptance with no medical or health questions asked.