>>life is full of unexpected twists and turns. That's why having the right protection in place for you, your loved ones, and your home is essential.

We've partnered with trusted insurance providers to offer comprehensive coverage options that give you peace of mind when you need it most.

personal protection options

If others rely on your income, these protection products could be vital:

Life insurance

Provides a tax-free lump sum to your family if you pass away, helping them manage financial commitments, including your mortgage. Available as single or joint policies, with cover lasting for your chosen term.

Terminal illness

Cover is included as standard with our life insurance products; this pays out your full cover amount if you're diagnosed with a terminal illness with less than 12 months' life expectancy.

Critical illness

Cover offers a tax-free lump sum if you're diagnosed with a specified serious illness during your policy term. This includes children's critical illness benefit and can be combined with life insurance for comprehensive protection. Just like the life insurance products we offer, you can choose a single or joint policy.

Income protection

Provides monthly payments if illness or injury prevents you from working. After an agreed waiting period, payments continue until you return to work, the policy expires, or you pass away.

home protection essentials

Your property is likely your biggest investment, so protecting it properly matters.

Buildings insurance

Covers your home's structure and fixed fittings against events like storms, fires, floods and subsidence. This must be in place from the exchange of contracts for freehold properties purchased with a mortgage. Remember to insure for the rebuild cost, not market value.

For Scottish property buyers, please note that your mortgage lender will require buildings insurance to be in place on your date of entry.

Contents insurance

Protects your possessions and valuables against perils including storm damage, fire, flooding and theft. While not legally required, it's highly recommended for all homeowners.

Accidental damage cover

Consider adding this to both buildings and contents policies for extra protection against unexpected incidents like putting your foot through the loft floor or spilling paint on furniture.

will writing service

We've partnered with Redstone Wills, one of the UK's leading will-writing specialists, to offer a straightforward service that helps you:

• Leave specific amounts to chosen beneficiaries
• Appoint guardians for your children
• Ensure unmarried partners are provided for
• Select trusted executors to carry out your wishes
• Pass sentimental items or heirlooms to named individuals
• Leave a legacy to charitable causes.

Although Wills are not a specific Insurance related policy, when you buy a property you become the owner of a substantial asset, so if you don’t already have a will, now is a good time to put one in place.

Deciding what you want to happen to your property, possessions and assets in the event of your death would save your loved ones untold worry, costs and stress and provide them with stability and protection at a difficult time.

MS/SEQ/8360/09.25