Protection

• Life Assurance
• Critical Illness Protection
• Income Protection
• Individual & Corporate Advice
• Long Term Care

Personal – Lifecover

In setting up your lifecover did you or have you recently asked the following questions:

• How much do I need to maintain my family’s standard of living?
• Which type of lifecover should I select?
• Is my lifecover enough or indeed too much?
• Am I paying too much for my family lifecover?

Protecting Income

Have you asked yourself the following questions:

• How long does my employer pay me for if I am unable to do my job due to accident or illness?
• Could I survive on Statutory Sick Pay or Reduced Salary?
• If I need to claim will my current Income Protection Payout?, is it up to date with my current job and salary?
• What effect would contracting Cancer, having a Stroke or Heart Attack have upon my life and that of my family?

Business Protection

Company owners need to ask thernselves questions

 too:

• Who would inherit my Co Directors/Partners shares in the event of their death?
• Do I/We have the financial resources to purchase the shares of the late director/partner?
• What is the business plan should a director have a Critical Illness?
• Which personnel are key to the profitability of my business?
• How would the companies profitability be affected should a key member of staff die?

Long Term Care

• What is the maximum level of income I can generate?
• Can I generate income from my property; and still live in my own home?
• Can I protect the value of my assets being eroded by Long Term Care costs?  

Did you know?

• It may be possible to generate an enhanced income due to ill health, and still protect your capital.