Helping you stay on track to achieve your financial objectives
Discussing the unforeseen is always a challenging conversation. We can’t predict what’s just around the corner. The financial consequences can be overwhelming when life presents unexpected or unfavourable events.
Life planning is not just about accumulating wealth; it also involves safeguarding the well-being of your loved ones. While contemplating the worst-case scenarios can be difficult, preparing for the future is crucial to ensure your family is protected in the event of your passing.
Life insurance is about securing peace of mind for you and your loved ones, knowing that financial protection is in place should the unexpected occur. In the event of a valid claim, a tax-free lump sum will be provided to offer the necessary financial assistance and breathing room during challenging times.
Term life insurance is a form of life protection that spans a predetermined duration (referred to as a ‘term’) – the payment is made in one lump sum. This coverage is valuable for safeguarding the financial well-being of dependents.
Protect your wealth and provide for your family when you die
Whole-of-life insurance is a policy designed to cover your entire life, ensuring a specified payout upon your death, no matter when it occurs. Some insurers also offer the option to include critical illness coverage as part of an integrated policy when purchasing life insurance.
Facing the unthinkable and preparing for the unexpected
Critical illness cover offers a financial safety net when you and your family need it most. Adding this option to your life insurance policy can alleviate the monetary burden that may arise if you become critically ill.
Having enough to pay for what you need now and in the future
When the unexpected strikes, our world can be turned upside down instantly. It’s never pleasant to contemplate misfortune, but what if a serious illness leaves you unable to work? How would you cope financially?
When life presents you with unforeseen challenges, obtaining a swift diagnosis and treatment, along with genuine assistance, support, and empathy, becomes crucial. Your health and the well-being of your family are your top priorities.
Planning to secure a comfortable and dignified future
As you plan for your later years, it’s crucial to consider how you want your finances managed and how essential expenses will be covered in case of illness or death. Addressing these matters now ensures that you or your family are prepared for future costs and can alleviate undue pressure.
Opportunity to express your preferences and ensure your wishes are respected
For residents of England or Wales who pass away without creating a legally valid Will, the government takes responsibility for determining the allocation of assets.
