Insurance & Protection

At Financial Services Scotland Ltd we also offer a full range of Protection and General Insurance products.  We can assess your insurance needs whether it’s for mortgage cover, to replace lost income through illness or injury, or to pay for future funeral expenses, we can provide you with the best advice and Insurance products from a panel of leading Insurers.


Protection Insurance is designed to cushion you and your family against the impact of unexpected and potentially costly events including; illness, accident, unemployment and death. The most popular Protection Insurance products that we provide include:

Term Assurance

This is Protection Insurance in its simplest form. It is a Life Insurance contract designed to pay out on death within a specific term.

Critical & Serious Illness Cover

Both Critical and Serious Illness cover are designed to pay out a tax free lump sum to pay off any liabilities you may have or to replace lost income following the diagnosis of a critical or serious illness.

Whole of Life Cover

Is a Life Insurance contract that you will pay for the whole of your life and which is generally used to pay for funeral expenses.

Income Protection

This is an Insurance product designed to replace a portion of your monthly income if you become ill and are unable to work.

Business Protection  

This type of Insurance is designed to protect against unforeseen events that may happen within the corporate structure of a business. This can include the illness or death of a shareholder or key person. There are many other Protection Insurance products that we provide and we will be happy to discuss them with you should you require them.

General Insurance

General Insurance typically comprises any insurance that is not determined to be Life Insurance. Our most popular General Insurance Products are:

Buildings & Contents Insurance

Whether you are a home-owner or renting a property you will require either Buildings or Contents Insurance or both. These products will cover you for damage to your property or damage to the items within.

Buy-To-Let Insurance

This is also known as Landlords Insurance. This product gives peace of mind to the property owner when renting out his or her property.

Private Medical Insurance

This is an insurance policy which covers the cost of private healthcare, giving you access to faster consultations and private treatment.

Please note for these insurance products, terms and conditions apply. This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.