One policy. Two protections.

A combined life and critical illness policy pays out on whichever happens first, death or a qualifying critical illness diagnosis. Often cheaper than two separate policies, and enough for many families with a mortgage.

Initial consultations are completely free of charge. There's no obligation to proceed and there is no fee for protection advice.

Should you fail to disclose or misrepresent a fact, then you risk the insurer only paying part of a claim, declining to pay all of the claim or possibly declaring the policy invalid.

• Pays on death or critical illness, whichever comes first
• Often cheaper than two separate policies
• Level or decreasing sum assured
• Joint policies available
• Can be written in trust for faster payout

This is a single policy that covers both death and serious illness. It is usually cheaper than buying two separate policies, but the cover is shared, a claim on one part generally brings the whole policy to an end.

Whether combined or separate cover suits you better comes down to your circumstances and your budget. Both arrangements are perfectly sensible; they simply behave differently, and it is worth understanding how before you choose.

Talk to me before you decide anything.

Free call, no commitment. I'll give you the honest picture and a recommendation that's right for you.