Critical illness policies pay a lump sum of money if you’re diagnosed with one of the illnesses or injuries listed on the policy such as cancer, kidney failure, heart disease, paralysis, etc. This cover can be used to pay for whatever you and your family need during a difficult time. This could be covering medical expenses, extra help at home, or allow you to take time to recover without worrying about your regular bills

Trauma or Critical Illness Insurance can be used for things like:
- An income stream if you stop working
- The ongoing cost of any therapy and special transport costs
- Debt repayments

One of your greatest assets is your ability to earn an income. Income Protection insurance pays you a percentage of your income if you are ill or injured, and unable to work. There are various types of Income Protection insurance available, and they have different tax implications, so it is really important to get some advice about what type of cover is best for your personal situation. It is especially suitable for self-employed people, small business owners or professionals whose business relies heavily on their ability to work

Mortgage Protection insurance is specifically designed to protect your mortgage repayments in the event that you cant work due to illness or injury. Unlike Disability Income policies, the percentage paid is linked to your mortgage repayments, not your income.

This cover is paid out in a lump sum if you are totally and permanently disabled, and unlikely to ever return to work again. There are two types, ‘Any Occupation’ and ‘Own Occupation’, and as with Income Protection cover, it is important to get some advice about which product is best for your circumstances.