Personal Protection

Assets

At Home Group Financial, we understand that your health, income, and loved ones are your greatest assets. Personal Protection is about creating a safety net—so if life takes an unexpected turn, you and your family won’t face financial hardship on top of emotional challenges.

Tailored solutions

Our tailored Personal Protection solutions provide financial security in the event of illness, injury, or death—helping you focus on what matters most.

Life Cover

Life Cover provides a tax-free lump sum to your loved ones if you pass away during the policy term. It can be used to cover living costs, mortgage repayments, education fees, or any other financial need. We help you choose between Level Term, Decreasing Term, or Whole of Life cover based on your goals and circumstances.

Critical Illness Cover

A serious illness can affect not just your health, but your finances too. Critical Illness Cover pays a lump sum if you’re diagnosed with a major illness such as cancer, heart attack, or stroke (subject to policy definitions). This cover can help pay for treatment, household expenses, or even time away from work to recover.

Income Protection

What would happen if you were unable to work due to illness or injury? Income Protection replaces a percentage of your salary with regular, tax-free monthly payments—giving you financial stability while you recover. Policies can be tailored to your income, occupation, and how long you could wait before needing support.

Whole of Life Cover

Unlike term-based policies, Whole of Life Cover guarantees a payout whenever you pass away—provided premiums are maintained. It’s often used for Inheritance Tax planning, funeral costs, or leaving a financial gift to loved ones. We can help you structure the policy to suit your estate planning needs, including placing it in trust if appropriate.

Inter-Vivos Policy

An Inter-Vivos policy is designed to cover Inheritance Tax liabilities that may arise from gifts made during your lifetime. If you pass away within seven years of gifting, this policy provides a reducing level of cover to help beneficiaries meet any tax owed—preserving the full value of your intended gift.