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Life and Health insurance is important for your peace of mind. It enables you to minimise the effects of unexpected and often unwelcome future events, and helps you to organise your personal and business life with greater confidence.  Below are a sample of types of insurance we provide.

Decreasing Term Assurance

The least expensive of the Term Assurances.  The level of benefit decreases throughout the term of the policy. The premiums are fixed throughout the policy.  This type of life assurance is commonly used to protect Capital & Repayment mortgages.

Term Assurance

You have the option of the level of cover to remain the same throughout the term and the premiums fixed, or you can arrange for the level of cover to raise in line with inflation, for example, what £100,000 could pay for now will be significantly lower in 20 years time.

Whole of Life Policies

These plans cover you for the whole of your life paying the death benefit to your beneficiary.

Critical Illness

This is an optional extra you can add to your life plan.  They will pay out should you suffer from a critical illness i.e. cancer.

Income Protection
If you're unable to work because of illness or injury, Income Protection Insurance is designed to provide you with a regular monthly income.  State benefits are minimal and unreliable.

Life & Health Cover


Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it.  

Wallace Nichols are authorised and regulated by the Financial Conduct Authority No. 226348