Protection

Life Assurance

Most parents have some financial protection often in the form of a life insurance policy designed to pay off a mortgage. It is however crucial to look at wider life insurance needs to help to cover other liabilities or outgoings. Additional life cover could provide dependants with a lump sum or an income stream for a fixed period to cover other family expenditure in the event of untimely death.

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Critical Illness Cover

Contracting a critical illness that may prevent you from working for a long period could have dire results for your family finances especially if you have a mortgage or other financial commitments. Your Critical Illness Cover will provide you with a lump sum should be diagnosed with a critical illness as defined in the insurance policy documentation - please check your policy as exclusions differ between providers. This extra money can be extremely useful in the event of prolonged illness.

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Income Protection

It is not just illness whether critical or not that can keep you away from your workplace. An accident could also result in the loss of your regular salary cheque. Income protection insurance can cover you in the event of inability to work due to accident or sickness. It is particularly important if your employers sick pay arrangements reflect only the statutory sick pay requirements.

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