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.
To pay off any debts and to provide an income for the family for as long as it is required;
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;
If a family carer is ill or dies their activities still have to be undertaken;
If NHS waiting lists are too long urgent medical procedures may be provided by this private arrangement;
A cash lump sum may be very helpful if a family member is diagnosed with a life-threatening illness;
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.