We have a wide range of solutions which can be tailored to the individual needs of our clients. Whether you need Life Insurance, Critical Illness Cover or Income Protection to cover a mortgage, provide Family Protection, or even provide Corporate Cover for Key people in a business, then we will have a solution to meet your needs. These plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse. Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document, if you go ahead with the plan.