Friendly Clear Financial Advice

If you die, how will your family be affected financially? Will they be able to maintain the mortgage payments or rent? Will your family have enough income to maintain their lifestyle and pay for higher education? 

Life Assurance is a potential solution but there are some pitfalls:

• Will the policy pay your desired beneficiary or will it fall into your estate making it difficult to access? 
• Are you able to easily increase your cover in the future even if your health deteriorates? 
• Or maybe you have health problems now which may inhibit you accessing the right cover. 

I will help you to consider your options and guide you towards the most appropriate policy.

What happens if you suffer an illness or accident that prevents you from working? State benefits are extremely limited and being unable to work may mean that you cannot maintain your standard of living. An Income Protection policy could be the answer. It will pay you a tax free income if you are unable to work due to sickness or accident until you are well enough to return to work. 

I will help you to understand your options and explain how this type of protection can help to protect you and your family.

Being diagnosed with a Critical Illness is both frightening and bewildering. A Critical Illness policy is designed to pay a lump sum or income upon diagnosis of Critical Illness which may alleviate financial worries at a stressful time. And what if a child suffers a critical illness? Many policies will also pay a lump sum to help parents avoid money worries when their child is ill. 

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.