Working in partnership with our clients to build and protect their wealth.


The main purpose of financial protection is to ensure that money would not be an issue if a misfortune such as an accident, death of illness should befall your family.

Essentially, all protection policies are designed to replace lost income and provide a cash benefit when it is needed most.

If you would like to discuss your life or income protection options in more detail, please contact Capital Options.

Level Term Assurance

Level Term Assurance provides one single cash payment to your family if you die during the term of the policy. This lump sum would generally be used to cover funeral expenses, an outstanding mortgage and other debt. Alternatively it could be invested to provide a regular income.

Mortgage Protection Assurance

A Mortgage Protection policy is a somewhat cheaper option than Term Assurance as it is targeted at covering only the outstanding mortgage.

Serious Illness Insurance

Serious Illness cover is a form of ‘living insurance’. Unlike life cover which pays a lump sum on your death, a Serious Illness policy pays a lump sum if you are diagnosed as suffering from one of a list of serious conditions. The lump sum paid is absolutely tax-free and aims to replace a loss of income and / or increased expenditure due to illness.

Income Protection

An Income Protection Plan is a simple tax efficient and inexpensive insurance designed to provide you with an alternative income should you suffer any illness, accident, injury, or disability, which prevents you from doing your usual job.

Key Benefits

  • You will be provided with an income if you are in hospital for more than 7 days.
  • Your premiums will be paid while you are unable to work.
  • Some plans offer you the opportunity to increase your cover by 20% without medical evidence.
  • Your benefit will recommence immediately if you have a relapse within 6 months of returning to work.
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