For many of our clients, one of their primary focuses is ensuring that their dependants and loved ones are taken care of, no matter what life throws at them. Illness, accidents and unexpected deaths can happen to all families and it’s important to take the right steps in family protection for you and your family.
Have you ever considered how you would meet your household bills and expenses if you were unable to work because of an accident or sickness? Employees may have a certain amount of cover – but if you are employed, do you know how much?
If you are self employed or run your own business, this becomes an even bigger area of concern, as being unable to work and generate an income can quickly create serious issues.
And should the worst happen to you, or your spouse, what do you have put in place to financially care for those left behind? This is why family protection is so important.
The right level of family protection for you
As a firm of Independent Financial Advisers (IFA), we will work on your behalf to ensure that you have the cover that you need at an appropriate level. We provide family financial planning throughout the North East of England from our offices based in the market town of Morpeth in Northumberland.
Life assurance and health cover need not be expensive and it is often cheaper than our clients first think to get appropriate cover. So it makes good sense to discuss family protection planning as part of your overall financial plan. As we are an independent financial advice company, we can look at the whole of the market and provide the right product for you.
We offer advice and expertise in the following areas of family protection:
- Life insurance – minimises the financial impact on your family should you die
- Critical illness cover – covers you for various serious illnesses with a lump sum payment
- Income protection – covers part or all of your income should you become unable to work for a period of time
To find out how we can assist you with your family financial planning, use our contact form here.