Life Assurance & Family Protection
In truth nobody really wants to think about getting sick or dying, but life is full of unexpected events and protecting your family with life assurance is one of the most important financial decisions you can make.
It is important to make sure that you and your family won’t have financial problems if a misfortune like an accident, death or illness happens to you or a member of your family. Appropriate use of Life assurance and Critical illness contracts can help to mitigate the financial risks of premature death or unexpected illness.
A key requirement for us as financial planners, in assessing your needs, is to ensure in the first instance that there is adequate protection available to provide valuable cover in the event of the premature death or serious illness of either partner.
The priority when assessing life assurance requirements is to consider 3 key areas:
- To ensure that all your loans and liabilities are covered
- To ensure that you have sufficient insurance cover to replace the income of one partner in the event of their premature death
- To ensure that you have enough cover in place to cater for the financial needs of your dependents in the event of the untimely death of both partners.
We will compare and advise you on the very best protection policies ensuring the most competitive premium and design a plan to cater for your requirements, to replace lost income and provide a financial payment when it is needed most.