If you think about insurance that you currently pay, you will probably have a list of house insurance, car insurance and maybe even pet insurance, so why do you hesitate to insure your most valuable asset – yourself?

The requirements for life cover and protection change over time. When buying your first home you should look to have sufficient life cover. Working in an uncertain time may encourage you to look at redundancy protection and life and critical illness cover. Then, as you get older and have a family, protection needs to shift to ensure that your children will be taken care of should anything happen to you. As a business owner, there are many protection options to consider to ensure your business is unaffected by Key Person absence or Stakeholder changes. So, protection can take many forms and respond to a variety of needs.

We can discuss:

• Life Cover – Either whole of life or term of life policies. Whole of life pays out whenever you die, term of life only pays if you die within the term covered.
• Critical Illness Cover – provides a tax-free payment if you are diagnosed with a critical illness.
• Income protection insurance – provides an income if you can’t work because you’re ill or injured.
• Shareholder Protection – enables shareholders to purchase shares off someone who is critically ill or who has passed away ensuring stability of ownership and control.
• Key Person Insurance – provides a lump sum if a key member of your business team is lost due to illness or death.
• Relevant Life Insurance – provides a Death in Service benefit for Directors or employees.
• Business Loan Protection – provides a lump sum to pay off outstanding loans in the loss of an owner or senior member.

If you would like any further information on any protection, please get in touch.

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