The greatest financial risk facing most families is the death or long-term disability of a bread-winner without whom there would be insufficient income to maintain the family’s standard of living. The loss of a non-earning parent can also wreak havoc on a family’s finances and lifestyle. Even where an individual has no financial dependants, there is still a need to ensure adequate protection against prolonged loss of income through ill-health.

Think about this:

What would happen to your family if one partner were to pass away?
What would happen now or before retirement, if you or your partner could not work because of an illness or an accident? Who would pay the bills?
What lifestyle would you or your family enjoy if any of these events were to happen.
The most-common forms of insurance appropriate in such circumstances are:

• Life insurance
• Critical illness insurance
• Permanent health insurance (Income Protection)

Fact: Life insurance premiums have fallen over the last five years or so. You may be paying too much for your existing cover.

We can:

• Help you establish the extent (if any) to which you need such cover
• identify the most-appropriate cover, at the best price
• Advise on the best way to effect the cover
• Effect cover for you and deal with the associated administration

If we believe that you do not need cover, or that it is unlikely to be available to you on affordable terms, we shall tell you.