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Personal Protection

Throughout our working lives you may be accustomed to a certain lifestyle. But what happens when something goes wrong? It is imperative that you have a plan in place to ensure that you are not affected financially by the unexpected. You may need the security of an insurance product to protect you or your family.

It is true that not everyone needs cover. Life insurance, for example, pays out a lump sum on death. For a family with small children, the need for this cover is obvious. Remove the family’s main breadwinner, for example, and it would not take very long before the financial stability of the family was seriously affected.

Remove the primary carer, and a replacement needs to be found. However, if you are single and have no financial dependants, you might consider it a waste of time leaving a lump sum that is unnecessary and will just cost you money to fund. Nevertheless, if you are single, you should still consider what would happen if you fall ill or have an accident and are unable to work. The state benefits available are only intended to provide a safety net. They will not help you keep up a lifestyle of holidays and eating out or make any inroads into repaying a mortgage.

The areas we advise on include:

  • Life assurance including mortgage protection, family income protection, whole of life and critical illness policies
  • Income protection policies
  • Private medical insurance