A range of solutions to provide you with ‘peace of mind’ and financial protection for you and your family in the event of death, critical illness, sickness or long-term care needs.




Some of us will know of family members or friends who have suffered from a serious illness or even died, which can have an impact not just personally but also have financial effects on their family. Protection products are designed to provide you and your family with peace of mind and financial security should an unexpected event occur. There are a wide range of products available, depending on your personal circumstances and the type of cover you require, please see below for further information.

Why might I need financial protection?

There are many circumstances where you might wish or need to have financial protection for you or your family and this depends on your personal circumstances and potential liabilities. Examples are:-

  • To provide a lump sum or income in the event of death, a serious illness or to cover a debt or mortgage
  • To provide income replacement in the event of long-term sickness or injury
  • To assist in covering long-term care costs
  • To cover expensive medical treatment

How does it work?

You pay a regular premium (or lump sum) in order to purchase a suitable protection plan to provide a level of cover sufficient for your needs. These plans are provided through a range of providers and the cost is determined by many factors including your age, health, term, level of cover and type of cover required.

When applying for such plans, you will normally be subject to medical underwriting so that the provider can fully understand the risk and can then determine the associated premium level.

How can CPS help?

We are able to guide you through the wide range of protection products available in the marketplace to provide you with guidance on selecting an appropriate and competitive solution for your needs.