Prepare for the unexpected

Are you protecting what matters most against the financial impact of life-changing events? Have you thought about how you would cover mortgage payments and household bills should you be unable to work or how your family would cope financially if you die?

At atomos we provide a tailored approach that looks at your existing financial situation and lifestyle to find the most suitable protection package for you and your family. We aim to give you peace of mind that your family will be financially secure, whatever life throws your way.

Savings and investments may offer you peace of mind, but it can lead to a vulnerable financial future if the unexpected happens. We consider insurance products across the whole of the market to provide you with a protection plan that is right for your family today and many years into the future.

  • Life insurance

    There are a variety of life insurance policies available, which can be personalised for you. Some provide cover until you die, while others are for a defined period, such as the number of years remaining on your mortgage.

    Policies come into effect if you die or are diagnosed with a terminal illness. Life cover is the simplest and most common type of financial protection for families and estates, which will pay out a lump sum or annuity when triggered.

  • Income protection

    If you are unable to work due to sudden illness or injury, an income protection policy can help you avoid serious financial strain and continue to pay your monthly bills or large expenses – such as home adjustments to accommodate a disability. People often think savings and investments will cover any potential costs, but they can run out sooner than many expect.

    Some employers provide sick pay but what happens when the payments stop? An income protection policy can provide you with the certainty of a regular income even if you are unable to work.

  • Critical illness insurance

    Critical illness cover pays out a tax-free lump sum if you are diagnosed with a life-changing condition, such as a stroke, heart attack or cancer. You can use the money to pay off debts, such as a mortgage, or for improvements around a home. Alternatively, the payout could help cover additional financial pressure from extra costs during long-term recovery – such as medication, making your home suitable for recovery, or employing someone to care for your children.

  • Private medical insurance

    We partner with specialist private healthcare planners who can tailor a private medical insurance solution to you. Working together, we can find the best medical scheme for your circumstances and needs, while protecting your health and your wealth.

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The value of investments and any income from them can fall and you may get back less than you invested.