Nobody knows what will happen in the future that’s why it’s so important to plan for it now.
As independent financial advisers we are in a position to offer unbiased advice on how best to cater for your protection needs.
Life assurance is a cost effective way to ensure that in the event of your death within a specified time funds are available to protect your family from unnecessary hardship, it can be used to cover a range of items, mortgage, loan, and family.
There are also business protection plans available. Some plans even qualify for tax relief.
Critical illness plans can help you protect the quality of life that you presently enjoy. It is up to you to decide how you use the money, pay off your mortgage, paying bills, taking a holiday to recuperate, or maintaining your independence.
By arranging this type of cover you will have the peace of mind of knowing you have helped ease the potential financial burden on your family.
Income protection what happens if you can’t work because of illness, injury or accident and your income stops. For most of us the foundation of our lifestyle is the income we earn. With it we pay for our food drink, electricity and gas, the rent, mortgage, our cars, holidays, everything down to our daily newspaper.
How would you and your family cope?
Income protection plans help with everyday costs giving you time to concentrate on recovering and returning to work.