Family Protection

Protecting our families is one of the most basic instincts. So making sure that they are provided for financially, should anything happen to the breadwinner, is of prime importance.

As part of our comprehensive review, we will consider the following possible arrangements for you and yours.

  • Life Assurance – to pay off any debts and to provide an income for the family for as long as it is required;
  • Income Protection – to replace your earnings should you become too ill to work or are injured. This should cover all expenditure, and remember outgoings can increase if a breadwinner is incapacitated;
  • Cost of Care – If a family carer is ill or dies their activities still have to be undertaken;
  • Private Health Insurance – If NHS waiting lists are too long urgent medical procedures may be provided by this private arrangement;
  • Critical Illness Cover – A cash lump sum may be very helpful if a family member is diagnosed with a life-threatening illness;
  • Redundancy Protection – An insurance policy can help here to cover those continuing household bills if you are made redundant. See the following Government tool to help calculate your statutory redundancy entitlement from your employer; www.direct.gov.uk/redundancy.dsb.

We will undertake periodic review of these arrangements to assess their continuing suitability.

Later in life

There comes a time in many people’s lives when independent living becomes too much, and residential long-term care is required. This can cost tens of thousands of pounds a year and we can advise strategies to help pay for immediate care, or for future needs.