Life is unpredictable
Helping you stay on track to achieve your financial objectives Discussing the unforeseen is always a challenging conversation. We can’t predict what’s just around the corner. The financial consequences can be overwhelming when life presents unexpected or unfavourable events.
Life insurance
Preparing for the unexpected Life planning is not just about accumulating wealth; it also involves safeguarding the well-being of your loved ones. While contemplating the worst-case scenarios can be difficult, preparing for the future is crucial to ensure your family is protected in the event of your passing.
Different types of life insurance
Protecting your financial downside Life insurance is about securing peace of mind for you and your loved ones, knowing that financial protection is in place should the unexpected occur. In the event of a valid claim, a tax-free lump sum will be provided to offer the necessary financial assistance and breathing room during challenging times.
Term life insurance
Protection that spans a predetermined duration Term life insurance is a form of life protection that spans a predetermined duration (referred to as a ‘term’) – the payment is made in one lump sum. This coverage is valuable for safeguarding the financial well-being of dependents.
Whole-of-life insurance
Protect your wealth and provide for your family when you die Whole-of-life insurance is a policy designed to cover your entire life, ensuring a specified payout upon your death, no matter when it occurs. Some insurers also offer the option to include critical illness coverage as part of an integrated policy when purchasing life insurance.
Critical illness cover
Facing the unthinkable and preparing for the unexpected Critical illness cover offers a financial safety net when you and your family need it most. Adding this option to your life insurance policy can alleviate the monetary burden that may arise if you become critically ill.
Income protection insurance
Having enough to pay for what you need now and in the future When the unexpected strikes, our world can be turned upside down instantly. It’s never pleasant to contemplate misfortune, but what if a serious illness leaves you unable to work? How would you cope financially?
Private medical insurance
Keeping your health on track When life presents you with unforeseen challenges, obtaining a swift diagnosis and treatment, along with genuine assistance, support, and empathy, becomes crucial. Your health and the well-being of your family are your top priorities.
Long-term care
Planning to secure a comfortable and dignified future As you plan for your later years, it’s crucial to consider how you want your finances managed and how essential expenses will be covered in case of illness or death. Addressing these matters now ensures that you or your family are prepared for future costs and can […]
Writing a Will
Opportunity to express your preferences and ensure your wishes are respected For residents of England or Wales who pass away without creating a legally valid Will, the government takes responsibility for determining the allocation of assets.