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Life Assurance

We seldom consider the potential drastic impact of illness, or death, on our own lives and on the lives of those who depend on us. But, it is something we all should consider and ensure that from a financial perspective, we have sufficient financial protection in place.

The majority of homeowners will have a mortgage protection policy. These policies are designed to cover repayment of the remaining mortgage balance, if the insured homeowner dies. Some mortgage protection policies also include critical illness cover, which will pay a sum on the insured being diagnosed with a critical illness.

If you became ill or died, what replacement income would be required for you and/or your dependants? This depends on age, income, outgoings and the number & age of dependants. We can work with you on assessing what level of protection cover is required and ensure you have sufficient cover in place.

For those individuals who are self employed, income protection cover is essential. This ensures that a level of your income will be covered if you suffer illness in the future preventing you from working.

The first objective in personal financing planning; should be to ensure that you have the correct mix of protection products and the right level of cover in place. While it is important that your policy provides the best cover possible, the cost of premium should also be a factor in deciding on which policy to choose.
Depending on your individual circumstances you will need a mix of the following protection products; mortgage protection, term assurance, critical illness protection, and income protection.