Family financial protection

Most people insure their prized possessions against loss or damage, and car insurance is required by law. Yet when it comes to insuring their standard of living or protecting the future of their family, many people don't. The National Lottery is Britain' s favourite pastime. It's been claimed that most adults would rather spend £1 a week on the Lottery than on life assurance - yet a 30-year-old non-smoking man has a one in seven chance of dying before he reaches age 60 - that's over eight times more likely than winning £10 on the lottery.

It is very important that if anyone, such as your spouse or children are financially dependent on you and your ability to earn an income, that you have some insurance that will provide for them if you should die or be diagnosed as having a specified serious illness.

Life insurance provides financial protection for your dependants if you were to die, and critical illness cover provides financial protection for you and your family if you were to be diagnosed as having one of a specified list of serious illnesses such as heart attack, stroke or cancer. Critical illness policies pay out following diagnosis and can remove financial worry to enable you to concentrate on fighting your illness. Protection policies come in many shapes and sizes designed for protecting mortgages and businesses as well as the family. It is important you pick the plan most suitable for you and your needs. As Independent Financial Advisers we have access to all providers in the market place and can tailor advice to suit your specific requirements. We can also make sure that the rate you pay for your protection is value for money by seeking out the best rate for your particular circumstances and requirements.

We save many clients money by reviewing their existing insurance polices. Why not ask us for a review?