Protection – Personal and family
If you were diagnosed with a critical illness and had to stop work tomorrow, would your income be protected? If so, for how long? Could you pay the mortgage and the bills?
What if you died? Would your family be able to stay in your home and enjoy financial security?
It is vital that you have protection, and the benefits are clear. For example, a typical pay out of £75,000 in critical illness cover per claimant; enough to make a real difference should you be unfortunate enough to become critically ill. One in three of us will!
About 50% of people who have a heart attack survive for at least 28 days. 76% of men aged 40-59 who survived for 28 days after their heart attack are still alive 5 years later and 63% are still alive 10 years later.
That shows how important it is that you protect your life, and your family, against critical and serious illness and death. This is particularly important when you consider that we are living longer, because of course, longevity potentially increases your chances of suffering serious illness during your lifetime.
Did you know that if you’re 35 today, you have a 69% chance of reaching 85? Just hit 40? You’ve got a 49% chance of reaching 90, and if you’re 50 now, you have a 23% chance of getting to 95! (Source: Continuous Mortality Investment)
We can advise on a range of products to protect you during your long life and - because we are fully independent and not tied to any financial services provider - we can search the whole of the market for the right solutions for you.
Term assurance, whole-of-life policies, mortgage protection, mortgage payment protection, trusts – we can advise you on the suitability of all these products and more, in a jargon-free, easy-to-understand manner.
Use the contact tag on the menu on the left of this page, or telephone 01434 607 808 for an appointment with an experienced adviser.
Protect your income to secure your retirement
Can you pay your mortgage if the worst happens?
Divorcing? Are your dependants provided for?
