Family Income Benefit & Life Insurance:
Although it's difficult to think about, try imagining your family situation if you or your partner had died or either of you were unable to earn. There would be bills and a mortgage to pay, possibly funeral expenses or home adaptations for critical illness; the point of protection insurance is to help you meet these liabilities.
The most common product to have is life insurance, which pays out a pre-determined sum on death. However you can also cover yourself in the event of contracting a critical illness such as cancer, heart disease, or in the event of a stroke. For peace of mind on a day-to-day basis you can also protect your income, ensuring you have a sufficient income should you become unable to work.
The correct amount of cover would enable you to cover the cost of your mortgage, pay off any debts and replace a lost income leaving you and your family with peace of mind.
How do I find out what kind of family protection we need?
The easiest way to know what level of family protection you need is to arrange a meeting with one of our specialist protection advisers - this can happen at our offices, your home, your workplace or any other convenient place that fits in with your busy lifestyle. This is completely FREE with no obligation to arrange or purchase any form of policy. At least this way you will know the cost of getting the right policy to cover all your families needs.
With the right information about what cover would suit your needs, it's possible to cover your family for a reasonable monthly amount that reflects your available income.
You can find out lots more about life insurance by downloading our FREE guide