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Union Insurance Services Life Cover steps in to shoulder some of your family's financial obligations when you no longer can. How? By giving them a cash lump sum - up to £50,000 - to make up some of the shortfall when they no longer have your salary. It can help cover both the regular household outgoings, as well as any other costs that are harder to foresee. And, of course, funeral arrangements too.

Over 50s life insurance is designed to meet the needs of people who want to enjoy peace of mind knowing their nearest and dearest will receive some financial protection when they're gone. Whether it's to pay for a funeral or simply leave an inheritance gift for loved ones, this policy can show your loved ones you're still looking out for them even when you're gone by providing a guaranteed cash lump sum payout when you die.

If circumstances take a sudden turn for the worse it'll help you to cover your regular outgoings - from bills, rent, and mortgage repayments to a Friday night takeaway. Essentially, it gets to work when you can’t!

Helping you pay for the cost of routine healthcare such as dental check-ups, new glasses or contact lenses, physiotherapy and other treatments.

It pays out up to £6,000 to help deal with the consequences of accidents resulting in burns, fractures and dislocations. There’s a cash lump sum of £20,000 in the event of your death as a result of an accident; so if the worst should happen you’ll be leaving something for your loved ones.

No matter where you’re headed on holiday this year, pack something extra alongside your regular travel essentials.