Family Protection/Life Assurance

Providing for the family is a priority for most of us. Unfortunately, making provision for the future is less so.

And there may well come a time when you may not be able to provide the financial stability you would like because of ill health, the loss of your income or even death. So it makes sense to think now about protection for your family in the future.

The advisor can help you select the type of policy best suited to your circumstances; the right amount of cover; and the most competitive products available to you.

They can explain the benefits to you of:

• Critical Illness Insurance, which provides a one off payment if you are diagnosed with a specified illness, to help you cope with the repercussions;
• Income Protection, which helps replace lost income in the case of long term illness;
• Life Insurance, which pays a fixed sum should you die within the policy term. Premiums can be either fixed or decrease over the period of the insurance depending on your needs;
• Family Income Benefit, which pays your family a replacement income for term of the policy to help them cope without you.

It’s always a good idea to review your life Insurance on a regular basis - and now could be the perfect time.