Life is unpredictable and making sure your family is adequately provided for should the worst happen is a big responsibility. You may wish to ensure that:

- Your mortgage and loans are repaid if anything happen to you
- Your monthly commitments i.e. mortgage and loan payments and living expenses were covered in the event of being diagnosed with a life-threatening condition, accident, sickness or unemployment.
- Your family either receives a lump sum or regular income if anything happen to you
- You and your family can receive private medical insurance cover
- You and your families long-term care issues are covered

There are many types of life and income protection insurance's including:

• life term assurance
• mortgage protection assurance
• family protection assurance
• critical illness cover
• income protection assurance
• accident, sickness or unemployment insurance
• private medical insurance

The most common form of Insurance is 'Term Insurance'. If your main concern is protecting your family or other dependants, term insurance is often the cheapest way that you can buy the cover you need. Term insurance pays out if you die within a set period of time (the 'term'). Term Insurance is also often used for Mortgage and Loan Protection.

Income Protection Insurance is designed specifically to provide replacement income if you are unable to work following an accident or sickness. Income protection policies (often called Permanent Health Insurance or PHI in the past) guarantee a regular agreed income for as long as necessary.

Accident sickness and unemployment (ASU) insurance pays out a regular amount for a limited time, such as 12 to 24 months - if you can't work for health reasons or redundancy. It is mainly used to cover a specific expense, such as a mortgage or loan repayments.

Critical Illness Cover - Pays out a lump sum if you are diagnosed with a life-threatening condition, such as some forms of cancer or heart attack (so does not cover stress, back trouble, and so on). The lump sum can be used to replace your income, repay mortgages or loans, or for any other purpose.

Private medical insurance assists in the payment your hospital and treatment bills if you wish to 'go private' for your medical treatment needs. This therefore often allows you the chance to choose when and where your medical treatment is carried out.

Please contact us for a free initial discussion without obligation