Protection & planning

Protect the people who depend on you.

A mortgage protects your home — protection looks after your family if life doesn’t go to plan. We build cover around your budget and your priorities, with no scare tactics.

A family meeting their adviser
Overview

Cover that fits your life, not a sales script

The right protection means that if you couldn’t work, fell seriously ill, or worse, your family could stay in their home and keep the lights on. We compare insurers to get you suitable cover at a fair price — and we’ll never oversell.

  • Life cover and decreasing (mortgage) cover
  • Critical illness cover
  • Income protection if you can’t work
  • Family income benefit and business protection
Build your cover

Build your protection.

Tap to add or remove cover and see what your plan would protect.

Your plan
    Select at least one cover to see your plan.
    Get advice on this cover →

    A guide only — we’ll tailor the right cover and amounts to your family.

    How we help

    What’s included

    Life cover

    A lump sum or income for your family if you die during the policy term.

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    Critical illness

    A payout on diagnosis of a serious illness covered by the policy.

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    Income protection

    A regular income if illness or injury stops you working.

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    Family & business

    Family income benefit and cover for business owners and key people.

    How it works

    Three simple steps, and we stay with you after.

    01

    Understand your priorities

    We look at who and what you need to protect, and your budget.

    02

    Compare insurers

    We search the market for suitable cover at a competitive price.

    03

    Set it up & review

    We arrange the policy and review it as your life changes.

    Good to know

    Common questions

    How much life cover do I need?
    A common starting point is enough to clear your mortgage and replace lost income for a number of years. We’ll tailor it to your family’s real needs and budget.
    What’s the difference between life cover and income protection?
    Life cover pays out if you die; income protection pays you a regular income if you can’t work due to illness or injury. Many families benefit from both.
    Should my policy be written in trust?
    Often yes — putting a life policy in trust can speed up payment and may keep it outside your estate for inheritance tax. We can arrange this alongside our wills and trusts service.

    Ready to make it smooth?

    Free initial advice, whole-of-market choice, and a team that stays with you long after completion.

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