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LIFE INSURANCE
What would happen to your family in the event of your death?
One of the most stressful events that can happen is the death of a partner or spouse. Knowing that they are supported financially can remove some of the burden out of an already difficult situation. Life insurance can provide a cost-effective means of providing security for your family.
Whole of Life Insurance
Unlike a term insurance life policy, a Whole of Life Insurance Policy is an effective way of mitigating inheritance tax. Providing monthly payments are kept up, upon your death your beneficiaries will be paid a lump sum. This can then be used to pay any outstanding Inheritance Tax bills or can be included in your overall inheritance.
Income protection
How much have you got to live on if your main income stopped?
Most of us have savings, but if something happened would you have enough to fund all your household expenses? An income protection policy is designed to provide a monthly benefit in the event of death or even serious illness, helping your family at such a stressful time.
Critical illness
Could your family survive if all the unpaid parental services stopped?
As most parents can testify, collecting and ferrying children, cooking, doing the household chores and shopping are jobs which simply must be done, with no pay reward in sight! Yet if one parent became critically ill, have you considered the impact on your family’s life? There are several ways to safeguard against this with insurance policies like a critical illness policy.
Our advisers can advise you on which type of product will suit your circumstances.