Insurance

 Premiums and life cover remain level throughout the policy. Can be in single or joint names. This type of cover offers security that your beneficiaries can receive a specific sum, which can help you all plan for a time when you're no longer around.  

 This is a form of decreasing term assurance. The premium remains constant but the life cover gradually reduces each year. Normally used to protect a capital and interest (repayment) mortgage. Can be in single or joint names. 

 These are used to pay a monthly or yearly income in the event of death. Commonly used to provide a widow/er with income to ensure dependent children can be adequately provided for. Can be in single or joint names. 

 People are becoming increasingly more aware of the value of having critical illness cover in place. Unlike life cover, this benefit pays out once you have been diagnosed with one of the specified illness as listed in the policy. 

 Buildings insurance covers the physical structure of the property including the walls, roof and floors, while contents insurance covers items inside the property, like furniture and freestanding appliances. 

 Insurance covering the from risks associated with rental properties. It usually includes buildings and contents insurance, but can also include landlord-specific covers such as property owners’ liability and loss of rent.