Insurance Advice

Protecting Your Future

We all want to protect the things that are most valuable to us.

People routinely insure their cars, houses and personal possessions

yet often fail to protect the most valuable things of all, themselves.

Without careful planning you could risk losing everything you hold

dearest to you.

Why do I need life cover?

Coming to terms with the loss of a loved one is never an easy thing to do and adding financial burden to the grief can make coping increasingly difficult. Receiving a lump sum of money can help to support your family or even a business partner after you die. Some of the reasons to take out life insurance could include, mortgage repayment, covering childcare costs, education expenses.

Whatever the reason it is important to ensure your family can maintain the standard of living to which they were accustomed.

There are a number of hazards in life which would require financial support.

Why do I need critical illness insurance?

Critical Illness insurance pays out a lump sum if you are diagnosed with a specified critical illness which can be used for mortgage repayment, changes to lifestyle, and assistance with your rehabilitation.

Why do I need income protection insurance?

If you are unable to work for a prolonged period due to illness or disability, your income is likely to fall or cease completely. Without careful planning you would be reliant on state benefits which would not support most people’s lifestyle. Income protection insurance pays out a montly benefit either for a fixed period or until retirement age which can be used to maintain your standard of living.

Our experienced financial advisors will conduct a full financial review and recommend appropriate protection

Many of these plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.