Financial protection is essential if you wish to minimise the impact of unforeseen health issues or the effect premature death could have on your survivors’ or dependents’ lifestyles.
If you would like to maintain your financial independence regardless of life’s obstacles, then this area should form an essential part of your financial arrangements.
Partnership Assurance
Have you considered the consequences to your business should either you or one of your partners suffer serious ill health or die?
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Shareholder Protection
What happens if a majority shareholder dies? Can the company continue in business?
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Keyperson Protection
Do you have an important member of staff on whom your business depends?
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Income Protection
Income Protection (Health Insurance) ensures that if you are unable to work as a result of injury or disease then you so not have to rely solely on the State to survive on a day to day basis.
Private Medical Insurance
Private Medical Insurance allows you to be treated at a time convenient to you and by a specialist you have chosen via the scheme provider. Pre-existing conditions may be excluded.
Family Protection - Life Assurance
Life Assurance is there to ensure that when you die your dependants are taken care of financially whether it be to repay outstanding debts, including the mortgage; provide an income whilst your children are growing up, perhaps allowing school fees or the cost of an University education to be met; or, meet the cost of Inheritance Tax so that your dependants benefit from your accumulated wealth.
Critical Illness
Critical Illness cover is there to provide a capital sum should you suffer a life threatening disease such as cancer, stroke or heart attack. Between the ages of 30 and 60 statistics show that you stand a 30% chance of suffering one or more of these diseases.