Our services: protection against risk

When you are thinking about your finances, you need to consider how best to protect yourself and your family against all the most serious risks that you face.

Yet this is something far too many of us leave to chance. According to Norwich Union, 20 million adults have no life cover or income protection. While most of us consider it essential to insure our car, our house or even our travel arrangements, far fewer of us take quite as much care over protection for our health and our loved ones.

The need for insurance cover depends very much on individual circumstances. For example, a single person with no dependents may take a different view of their need for life cover than someone who is the main breadwinner in a family with small children. Should that family suddenly lose their main income, it will only take a short time before their financial stability is affected.

Whatever our family circumstances, we are all vulnerable to potential accidents or ill health that could prevent us working for long periods, affecting the income on which we rely.

In assessing your need for insurance, asking yourself these key questions can help you decide the best way forward.

By reviewing your existing arrangements, you can decide on the right level of insurance and appropriate types of cover, including life assurance, critical illness cover and payment protection cover, to meet mortgage repayments if you suffer an accident, sickness or unemployment and are unable to work.

If you are in business, you may also wish to consider protection policies for your company, including cover against the death or illness of key staff, which could otherwise potentially have very serious consequences for your organisation.

To find out more, please contact us.