Never underestimate the need for suitable insurance policies. A death or critical illness in the family is life changing. With adequate family protection in place it ensures your loved ones continue to receive an income.
In the event of your death, life insurance will offer protection against financial loss. We help you identify the risks and assist with recommending suitable protection policies. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured.
"What would be the financial consequences if your husband, wife or partner were to die tomorrow"
Policies for Business owners
As a business owner it is possible to provide tax efficient life insuarance for yourself and employees with policies paid from
pre-tax business profits instead of taxed income.
"In the event of your death, who will pay the business liabiltes. Don't simply leave the problem with your loved ones. Ensure you are adequately insured."
If you were unable to work due to accident, sickness or injury income protection would provide a monthly income.
"What would be the financial impact on your family, being off work for 9 months and not being in a position to earn an income. Would your savings be sufficient to cover your monthly outgoings? "
Family Income Benefit
In the event of your death or critical illness, the policy will pay a fixed amount each month until the policy expires. Family income benefit ensures the family continues to benefit from a regular monthly income and prevent financial difficulty for those left behind.
"In the event of your death, would your family have sufficient income to pay for a reasonable standard of living for those left behind?"