PROTECTION
Life Assurance
We never know what life has in store for us, so it’s important to get the right life insurance policy.
We insure our cars, homes and even our mobile phones – so it goes without saying that we should also be insured for our full replacement value to ensure that our loved ones are financially catered for in the event of our premature death.
Life insurance provides a safety net for your family and loved ones, helping them cope financially during an otherwise difficult time. It could pay out a cash sum if you die while covered by the policy. You choose the amount of life cover you need and how long you need it for, and you can pay your premiums monthly or annually.
Critical Illness
It’s easy to think ‘I’d cope, that’ll never happen to me’, but most of us know someone either directly or through friends and family that has been affected.
Any of us can become ill at any age – and with appropriate critical illness cover in place, it could help to give some financial security at a difficult time.
Critical illness cover can help to minimise the financial impact on you and your loved ones. For example, if you needed to give up work to recover or if you passed away during the length of the policy, the money could be used to help fund the mortgage or rent, everyday bills, or even simple things like the weekly food shop – giving you and/or your family some peace of mind when you need it most.
Income Protection
Being unable to work can quickly turn your world upside down. No one likes to think that something bad will happen to them, but if you couldn’t work due to a serious illness, how would you manage financially? Could you survive on savings or sick pay from work? If not, you may need some other way to keep paying the bills – and you might want to consider income protection insurance.
Income protection insurance is a long-term insurance policy that provides a monthly payment if you can’t work because you’re ill or injured, and typically pays out until you can start working again, or until you retire, die or the end of the policy term – whichever is sooner.
Family Income Benefit
Most families rely on at least one regular monthly salary to cover their household spending. How would your household cope financially if you lost a source of income?
For peace of mind, many people choose a type of life insurance called family income benefit which will pay out a monthly tax-free income if you die during the term, until the policy ends.
Private Medical Insurance
Nothing is more important to you than your health and the health of your family. If you or your loved ones were to experience worrying symptoms, private medical insurance can offer reassurance and control at a difficult time.
Designed to cover the cost of private health care, having private medical insurance ensures faster access to consultants, tests and treatment.
There is a range of policy providers in the market and we can source the right one for you and your family.