Get the BEST Cover

HOW DO YOU CHOOSE THE RIGHT COVER?

We’ll guide you through your options and help you make the right decision.

WHAT TO THINK ABOUT IF YOU’RE…

SINGLE

Could you pay all your bills if you weren’t earning? How long would you last without your pay?

LIVING AS PARTNERS

Does your partner depend on your income? Thinking of buying a home? Will you need insurance to cover a mortgage?

FAMILY-ORIENTED

Income Protection protects your family from financial hardship if you lose your income. Life Insurance protects them if you die.

RETIRED

Is your mortgage paid? Have your children left? Thinking about protecting against the expense of funeral costs? Or covering the costs or inheritance tax?

WHAT SHOULD YOU GET COVER FOR?

There are different things people get cover for depending on their concerns and priorities. The main three are:

DEATH

You could arrange for your loved ones to receive a tax-free lump sum o pay off a mortgage or maybe replace your income.

ILLNESS

A large cash sum paid direct to you could help with healthcare costs or cover your income while you are unable to work.

REDUNDANCY

Losing your job disrupts your family’s finances, but many policies protect against unemployment and provide you with an income.

HOW LONG DO YOU NEED COVER FOR?

How long your cover should last depends on what it is you want to protect.

MORTGAGE

To make sure your house is covered you should to match your cover to the term of your mortgage.

CHILDREN

You need to cover your kids for however long they’ll be dependent on you financially.

RETIREMENT

If you’ve planned for your retirement you might want to protect your savings against healthcare costs.

INHERITANCE

Want to leave an inheritance for your family? Think about how much they need.

TALK TO AN ADVISER TODAY
0161 327 0025