We don’t just help you look after your money. We also help you provide security
for you and your dependents too. We will guide you through the many different
forms of life assurance, health insurance and income protection schemes, to suit
your circumstances whilst providing lasting peace of mind.
Common questions from our clients:
“Why do I need life cover?”
“Can I afford it?”
“Will the insurer pay my claim?”
“Will I get insured if I have health conditions?”
“Is it worth it?”
Life Assurance
The aim of life assurance cover is to provide money for people who financially depend on you. If there is no one who will be financially distressed by your death, life assurance is probably not essential, though there are other reasons why it would be useful, e.g. tax planning in later life.
One simple question to ask yourself is if you were in a fatal traffic accident tomorrow, would anyone else be left in financial difficulties? If the answer is “yes”, then we should discuss your insurance needs, to ensure that you and your dependents needs are properly cared for.
Health Insurance
These days, for people of working age, good health is the normal state, and few people consider what would happen if, due to ill health, their career was interrupted or even stopped. For others, the risks are of frailty in later life.
This group of insurances covers all these issues – from getting fast and effective health care, providing lump sums for more serious problems, to providing income where long term ill health prevents you working.
In short, they are all about maintaining yours and your families quality of life in the most adverse circumstances and stressful time that we may ever face.
We find that it’s not about the cost of having some form of insurance, the key question should be what is the cost of not having it?