Insurance - choosing products
This section explains the main types of insurance and protection products available.
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Product |
What it covers |
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Helps cover medical or hospital expenses if you get sick, have an accident or need an operation. |
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Can cover against losses when you are travelling. |
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Pays out a regular cash payment that replaces part of your lost income if you have a long-term illness or disability and you can't work |
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Pays off your mortgage if you die during the mortgage term |
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Pays some of your mortgage repayments if you cannot work due to compulsory redundancy, illness or disability. |
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Pays out a sum of money to help you cover your monthly repayments on mortgages, loans, credit/store cards or catalogue payments if you are unable to work due to an accident or sickness, or become unemployed through no fault of your own or die. |
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Pays out a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers |
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Pays a lump sum if you die during the term |
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Pays out a lump sum if you die at any stage during your life, or for as long as you pay into your policy. |
Check out our summary table to get more details on comparing products.