Protection is one of the foundations of a financial plan.
There are events we can all face that have the potential to wreck lives and families. It is a difficult issue to think about but imagine the impact on you and your family should the main earner in your household die or become seriously ill. It may not happen to you – we hope it does not – but it might.
Take a typical non-smoking male aged 40 for example; before they reach 65 run the following risks
- 7% chance of dying
- 15% chance of becoming seriously ill
- 37% chance of being unable to work for at least one months
Figures sourced from Vitality's Risk Calculator. Please see the below link to calculate your personal risk in less than a minute.
While there is no insurance that can prevent these things from happening, you can protect yourself and your family financially by making money available, should something unexpected happen. This money can be the difference between keeping and losing your home and maintaining your family’s lifestyle.
Before beginning to advise and recommend possible solutions, we need to understand your personal circumstances. We will do this by asking you questions about things such as your income and outgoings, your health, your savings, and any protection you already have. We call this a fact-find.
We are happy to offer a FREE INTIAL consultation meeting so we can understand your goals and you can get to know us.
Life Assurance plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse.