Comprehensive protection tailored to your needs. Explore our range of insurance solutions designed to safeguard you and your loved ones at every stage of life.
Book a free consultation with our insurance specialist. We'll review your current coverage and identify any gaps to ensure your family is fully protected.
Licensed insurance specialist with years of experience
No cost for consultation and review service
Review your options with no pressure to buy
Life insurance provides financial security for your loved ones when they need it most. Our comprehensive life insurance policies ensure that your family can maintain their standard of living, pay off debts, and achieve their long-term goals even in your absence.
Ensure your family can keep their home with coverage that pays off your mortgage in full, preventing foreclosure and providing housing security during difficult times.
Secure your children's educational future with funds designated for tuition, books, and living expenses, ensuring their dreams remain achievable.
Replace your income for years to come, allowing your family to maintain their lifestyle, cover daily expenses, and plan for the future without financial stress.
Clear outstanding debts including credit cards, personal loans, and car payments, so your loved ones aren't burdened with financial obligations during grief.
Cover funeral costs, medical bills, and estate settlement expenses, sparing your family from immediate financial pressures when mourning your loss.
Critical illness insurance provides a lump sum payment if you're diagnosed with a serious medical condition. This coverage gives you financial breathing room to focus on recovery without worrying about bills, lost income, or mounting expenses.
Immediate lump sum payment upon diagnosis of cancer, covering treatment costs, experimental therapies, travel for specialist care, and living expenses during recovery.
Financial support for stroke recovery including rehabilitation, physical therapy, home modifications, and assistance with daily living during your healing journey.
Coverage for heart attacks and related cardiac events, providing funds for medical procedures, medication, cardiac rehabilitation, and lifestyle adjustments.
Financial assistance for major organ failure including kidney, liver, lung, or heart failure, covering transplant costs, ongoing treatment, and recovery expenses.
Support for serious respiratory diseases including pulmonary fibrosis, chronic obstructive pulmonary disease (COPD), and other severe lung conditions.
Coverage for permanent paralysis or total disability, providing funds for home adaptations, specialized equipment, and ongoing care needs.
You're diagnosed with a covered critical illness by a qualified medical professional
Submit your claim with medical documentation - we guide you through every step of the process
Receive your full benefit amount to use however you need - no restrictions
The lump sum payment is yours to use as needed: pay for treatments not covered by health insurance, replace lost income, modify your home for accessibility, pay off debt, cover childcare, or simply have peace of mind during recovery. There are no restrictions on how you spend it.
Income protection insurance replaces a portion of your income if you're unable to work due to illness or injury. This essential coverage ensures you can continue paying bills, maintaining your lifestyle, and supporting your family even when you can't earn.
Receive up to 70% of your gross monthly income, paid directly to you while you recover and cannot work.
Benefits continue until you can return to work, for the policy term, or until retirement age - whichever comes first.
Coverage for both physical injuries and illnesses, including mental health conditions like depression and anxiety.
Additional benefits to help you return to work, including retraining programs and workplace modification assistance.
The waiting period (also called deferred period) is the time between becoming unable to work and when benefit payments begin. A longer waiting period results in lower premiums. If you have sick pay from your employer, you might choose a waiting period that matches when your sick pay ends.
Mortgage protection insurance ensures your family can keep their home if something happens to you. This specialized life insurance is designed to pay off your outstanding mortgage balance, giving your loved ones security and peace of mind when they need it most.
Your entire remaining mortgage balance is paid in full, eliminating the largest monthly expense and preventing foreclosure or forced sale.
Your family stays in the home they know and love, maintaining stability for children's schooling, friendships, and community connections.
Decreasing term insurance that matches your mortgage balance means lower, more affordable premiums compared to level term life insurance.
Remove the burden of mortgage debt from your surviving family members, allowing them to grieve without financial pressure.
Sleep better knowing your family's housing is secured, regardless of what life brings your way.
Often easier to qualify for than standard life insurance, with streamlined underwriting processes for mortgage protection.
The insurance coverage amount is set to match your mortgage balance. As you pay down your mortgage over time, the insurance coverage decreases accordingly, which helps keep your premiums affordable.
Choose a policy term that matches your mortgage term - typically 15, 20, 25, or 30 years. The policy remains in force until your mortgage would normally be paid off or until a claim is made.
Upon a valid claim, the benefit can be paid directly to your mortgage lender to clear the balance, or to your beneficiaries who can then pay off the mortgage and use any remaining funds as needed.
Covers one person. If you pass away, the mortgage is paid off. Ideal if only one person is the primary earner or if you want individual coverage.
Covers two people (typically spouses). The policy pays out when the first person dies, clearing the mortgage. Usually more cost-effective than two single policies.
Portable Coverage: Your policy can continue even if you remortgage or move to a new property with a new mortgage.
Coverage Adjustments: If your new mortgage is larger, you can usually increase your coverage (subject to underwriting).
Premium Consistency: Your premiums typically remain level even if you move, based on your original policy terms and age at inception.
Enhance your protection with these valuable add-ons and specialized coverage options
Instead of a lump sum, this policy pays a regular tax-free income to your family for a set period. This helps with budgeting and prevents the risk of a large sum being spent too quickly.
Short-term coverage that pays out if you can't work due to accident or illness. Covers mortgage payments and bills for typically up to 12 months per claim.
If you become unable to work due to illness or disability, this benefit waives your insurance premiums while keeping your coverage fully active.
Accelerates your life insurance payout if you're diagnosed with a terminal illness and given 12 months or less to live, providing funds when you need them most.
We offer tailored solutions for specific circumstances and professions
Key person insurance, shareholder protection, and business loan cover
High-value policies for executives and high earners with specialized underwriting
Child critical illness cover and future insurability guarantees
Guaranteed acceptance life insurance with no medical questions
Get answers to frequently asked questions about our insurance coverage options
Our insurance experts are here to help you choose the right coverage for your unique needs. Get a free, no-obligation quote today.
Get expert advice and quotes quickly
Comprehensive coverage you can rely on
Personalized advice from insurance specialists