In the same way that you’ll insure your car, pet and mobile, make sure you apply these same principles to both you and your family.
For many of us, illness, disability, and job losses are things that happen to other people. The reality of course is that many people find themselves in precisely these and similar situations. At any stage of your life, or that of your family, accidents can happen, illness can strike.
Protecting what’s most precious;
You care about those you love and risking their financial future is not an option. Together we formulate a way that yours and your family’s financial needs will be met, if you were unable to work through sickness, if you were to suffer a serious illness like a cancer, or a stroke, or if you were to die prematurely.
Conversations like this are not always easy to have, but it is the right one and when buying a house and taking on mortgage debt, the stakes are raised significantly. The debt is on the roof over your head and it is our duty to make you aware of your risks. It is our job to advise you of your options and the solutions that most suit your needs. Protecting what matters to our clients is fundamental to what we believe in. Together, we’ll decide what risks matter to you, what the financial consequences would be, should they occur, and what level of cover would be sufficient in those events.
When reviewing the options from our comprehensive panel of insurance providers, we assess which of them offer the most appropriate cover within your agreed budget. We’ll consider the policy definitions, premiums, levels of cover, etc, that most closely suit your needs.
Protection needs are never static: when you’re single you may not want to insure your life. When you have a partner, life insurance is usually appropriate. If you have a young family you might want to increase the amount insured, but then scale it back once your children are no longer dependent upon you.