Life Insurance & Personal Protection
Life Insurance & Personal Protection
Finding the right insurance plan can become a complex matter due to the number of questions that need to be answered;
- Should the benefits be paid as a lump sum or an income?
- How much insurance do I need?
- Should the policy be written under trust?
- What type of protection is right for me, taking into account the benefits provided by my employer?
Most people are aware that they should have some type of life insurance in place to ensure their family will be financially secure in the event that they die. However the need for protection policies in the event of ill health is often overlooked.
Our team of independent financial advisers can provide you with a protection planning review taking account of all the different types of plans and providers in the protection market. We can review your existing policies (if applicable), analyse your current circumstances and discuss possible scenarios that could arise. We can then make a recommendation giving you the peace of mind that you have the right type of protection for you and your family.
To help give you an overview of the protection market, we have provided you with a summary of the main types of protection policies available;
- Life Insurance
- Critical Illness Cover
- Permanent Health Insurance (PHI) / Income Protection
- Accident, Sickness and Unemployment Cover (ASU)
- Mortgage Payment Protection Insurance (MPPI)
- Private Medical Insurance (PMI)
- Hospital Cash Schemes
- Dental Insurance
- Hazardous Pursuits Insurance