Have you changed jobs, increased your mortgage or mortgage term? When you last reviewed your mortgage did you decide you could not afford critical illness but now maybe able to add some to your plan?

Are you now self-employed, if so how will you be paid if you cannot work? Are you now the main or only household earner, how long could you meet your commitments should you be unable to work?

Types of cover
•  Life cover
•  Critical illness cover
•  Public liability
•  Income protection
•  Funeral plans
• Buildings & Contents