Life cover pays out a lump sum if you die. This can be arranged as a stand alone policy or combined with critical illness cover. Critical illness cover pays out a lump sum on diagnosis of any one of a range of specified illnesses giving you the peace of mind of knowing that while you are incapacitated, probably having treatment and unable to work, your mortgage has been paid off so losing your home will not be a worry you need to add at this already stressful time. The top claim areas for this type of insurance are cancer, heart attack, stroke and multiple sclerosis.

An income protection plan is designed to replace a proportion of your salary and provide an income if you are unable to work due to long term sickness or disability. The policy pays a monthly income until you recover or until the end of the policy term, whichever is sooner. As the State does not provide adequately and many employers do not offer generous sick pay everyone should give serious consideration to a cover of this type to ensure you can maintain your mortgage payments and monthly outgoings during periods of ill health.

You home is likely to be your most valuable asset but remember that incidents do happen that can potentially destroy or severely damage your home. With this in mind you need to be certain that you are covered with the relevant insurance. Buildings and Contents insurance provides you with peace of mind by protecting both the structure of your home and the Contents within it

If you own and let out any properties then a standard Buildings and Contents policy is not suitable, you will need a specialist Landlords Buildings insurance policy. It is essential to ensure that any Building you own is insured and it also advisable to have a small amount of Contents cover to insure items that you own in the home such as carpets, curtains and white goods. Specialist Landlords policies will also have additional options such as malicious damage by tenants and rent guarantee.