Supporting North Bristol RFC Through Protection That Gives Back

Life insurance protects your loved ones with a lump sum payout, ensuring that they don’t suffer financially if you’re not around anymore. A policy is usually bought to cover the period (or term) that your family most need help i.e. during a mortgage term, or when your children are financially dependent on you.

Critical illness cover typically includes serious illnesses like heart attacks, cancers, strokes, multiple sclerosis (MS), Parkinson’s disease, organ transplants and blindness/deafness.

Pre-existing conditions, congenital/hereditary illnesses (e.g. birth-related or inherited), terminal illnesses and illnesses diagnosed within 14 days of the policy start date are often excluded, so it’s important that you carefully review your policy documents before taking out a policy.

Income protection insurance can provide an income if you’re unable to work through sickness or injury - covering your essential outgoings.

You’re more likely to be off work sick or with an injury than you are to pass away before retirement. Whilst you may receive sick pay from your employer, not everybody does and some people overestimate how much they get. Income protection can provide that financial safety net.

Business insurance is a group of protection products designed to shield employees and employers from the financial impact of a key person’s sickness, critical illness or death. You’d likely want to talk to us if you’re one of the following:

• Sole trader
• Limited company
• Partnership
• Limited Liability Partnership (LLP)

If you’re an employer, you can arrange protection for your employees (and your business) to provide benefits if they die, suffer a serious illness or are unable to work because of sickness or injury. There’s tax relief available when you protect your people, and extra value in areas like recruitment, retention, performance and loyalty.

Private Health Insurance is also known as Private Medical Insurance and pays some or all your medical bills, if you're treated privately.

This is dependent on the condition, but by speaking to one of our expert advisers, we can help you find the right cover.

Private Health Insurance covers the costs for the private treatment of medical conditions. This can include the cost of diagnostics testing, consultations, specialist fees and private hospital charges including accommodation. Importantly, the actual cost of treatments such as drugs, therapy and costly cancer treatment as well as ongoing support are normally covered.

It depends on the policy, but typically the following are not covered – treatment of chronic conditions, emergency treatment, cosmetic surgery and medical costs within your excess.

Yes, options are available for individuals, couples, families and children.