Life and
health cover
Support your loved ones, secure your lifestyle, and prepare for the unexpected, with protection that fits your life.
Protecting what you’ve worked hard to build
No one wants to imagine the worst-case scenario, but putting the proper protection in place is one of the most practical, caring things you can do. Life insurance, critical illness cover, and health protection provide a financial safety net that supports your family, protects your income, and ensures stability if your health or circumstances change unexpectedly.
At Price Ferguson, we make protection planning feel straightforward, relevant, and personal. We’ll help you understand what types of cover are appropriate for your stage of life, how much protection you may need, and how to ensure everything fits alongside the rest of your financial plan.
Who we help
We advise individuals, couples, and families who want peace of mind that their well-being and that of their loved ones is protected. Some are securing their first mortgage and wish to safeguard repayments. Others are starting families and thinking about long-term financial security. Many want reassurance that if something were to happen, they’ve already taken care of what matters most.
Wherever you’re starting from, we’ll guide you through your options with care and clarity.
How we support your protection goals
We begin by understanding your responsibilities, your financial position, and what outcomes you want your protection to cover. This might mean ensuring your family can remain in the family home, covering the cost of private treatment, or securing a lump sum in case of serious illness or loss of income.
We’ll walk you through the different types of cover available, from term life insurance to whole-of-life insurance, from standalone critical illness policies to those that combine multiple benefits. We’ll also help you avoid duplication, understand exclusions, and ensure your plan continues to meet your needs as life changes.
Why life and health cover matters
Life and health protection isn’t just about preparing for the worst, it’s about giving you the freedom to plan for the best, knowing that you and your family are protected. For many of our clients, having the right cover in place provides not just security, but a sense of emotional relief.
Whether you’re the primary income earner, a co-parent, or a business owner with people who rely on you, having a tailored policy in place means fewer unknowns and fewer financial vulnerabilities. It means knowing that, even in difficult times, your finances won’t make things more complicated.
Why choose Price Ferguson
We make protection planning feel calm, structured and personal. Our advisers take the time to understand your life, not just your liabilities, and tailor every recommendation to fit your goals, budget and wider financial plans.
We build long-term relationships with our clients, we’ll be here to review and adapt your cover as your needs change, whether that’s welcoming a child, buying a home, or entering later life.