Life insurance plans

Choosing cover shouldn’t feel like guessing. Here you can compare our main options side by side, see who each one is built for, and match your protection to your budget and stage of life.

Term coverage

Designed for a set number of years to protect big commitments like a mortgage, young children, or other time‑bound goals. You choose the term length and payout amount, and your loved ones receive a lump sum if something happens during that period.

Family cover

Brings cover for multiple loved ones into one simple structure with a single monthly payment. It’s ideal when you want everyone under the same umbrella and prefer one renewal date, one set of documents, and one point of contact.

Income protection

Focuses on your monthly income instead of a one‑off lump sum. If illness or injury stops you working, it can replace part of your usual earnings so day‑to‑day bills, rent or mortgage payments, and essentials stay covered while you recover.

Later‑life cover

Built for older applicants who want a straightforward way to handle final expenses or leave a modest legacy. These options prioritise predictable costs and simple acceptance rules over large payouts, helping families avoid sudden financial stress.