Protection
We insure our homes, cars, phones and even our pets. But the one thing that pays for all of it — you — is often left unprotected.
If illness or injury stopped you working, how would you pay the mortgage and the bills?
When you’re fit and healthy, it’s easy to assume you’ll never need Life Cover, Critical Illness Cover or Income Protection. But if the unexpected happens, having the right protection in place can make the difference between financial stability and real stress for you and your family.
At Censeo, we help you put the right cover in place so you can feel confident that your home, your income and your family are protected.
We offer Life Cover, Critical Illness Cover and Income Protection, and we’ll guide you through the options to find policies that suit both your needs and your budget.
Life Insurance
Life insurance provides financial security for the people who depend on you if you were to pass away or be diagnosed with a terminal illness during the policy term.
A lump sum pay-out can be used to:
- Pay off a mortgage or rent
- Cover household bills
- Support your family and children’s upbringing
The cost of cover depends on factors such as your age, health and lifestyle.
There are three main types of cover:
Level Term Assurance
Provides the same level of cover throughout the policy term and pays out a fixed lump sum if you make a successful claim.
Decreasing Term Assurance (Mortgage Cover)
Designed to reduce over time in line with your mortgage balance, so the pay-out matches what’s left to repay.
Family Income Benefit
Instead of a lump sum, this pays a tax-free monthly income to your family, making it easier to cover regular living costs.
We help you decide how much cover you need and for how long, then find the right policy for you.
Critical Illness Cover
Serious illness doesn’t just affect your health — it can affect your ability to earn and your family’s financial security.
Critical Illness policies pay a lump sum if you are diagnosed with a specified serious illness or suffer a serious accident. This money can be used to:
- Keep up with mortgage payments and bills
- Maintain your standard of living
- Cover additional costs such as travel to medical appointments or private treatment
Policies vary between insurers, including:
- The number of illnesses covered
- How conditions are defined
- Whether partial payments are made
- Claims and pay-out records
We explain the differences clearly and help you choose a policy that gives you real protection, not just paperwork.
Income Protection
Your income is what pays for everything else. If that stopped, what would you rely on?
Income Protection provides a regular, tax-free income if you cannot work due to illness or injury. It can:
- Replace up to 70% of your gross salary
- Continue paying until you return to work or reach retirement age
- Support you if you return to work on reduced hours or pay
Employer sick pay and state benefits are often limited. Income Protection fills that gap and provides long-term reassurance.
Peace of Mind for You and Your Family
Protection isn’t about expecting the worst. It’s about being prepared for it.
Censeo will talk you through your options, explain everything in plain English, and help you put the right protection in place — so you can focus on living your life knowing you and your family are covered.