PROTECT YOUR LOVED ONES

Let’s face it – the inevitable will happen, we won’t live forever. Life insurance is one of the best ways to prepare for the worst. If you were to pass away unexpectedly, the loved ones you leave behind would still need taking care of. Don’t leave their futures to chance. Here are six reasons why life insurance is a necessity:

1. Avoid your home being repossessed.

If your mortgage relies on your income, then you cannot afford to be without life insurance. If you were to die unexpectedly and your family could not meet the repayments, the home you have worked hard for would be lost and your family left vulnerable. Protecting it with life insurance could ensure that your mortgage debt is paid, after you are gone.

2. Cover child care costs. Raising a child to 21 years of age has overwhelmingly soared. If you were to pass away before your children have grown up, who could foot that bill? A payout from your life insurance policy could pay for the childcare your children may need a small investment to make if you consider nothing is more important than their protection.

3. Secure a good education for your children.

Understandably, you want your children to have the best opportunities in life. As university education fees in the UK have now reached a record-high of up to £9,250 per year, setting up a life insurance plan has never been so important. A payout could meet the costs to support your children’s future learning and careers.

4. Safeguard your loved ones from inheriting your debts.

A life insurance payout could write off your debts, and ensure future bills are met.this means your loved ones wouldn’t be at risk of being chased by your creditors for the money you owe.

5. Ensure funeral costs are covered.

Life insurance covers funeral costs to relieve the weight of such a huge financial burden on your loved ones at, what would already be, an incredibly stressful time for them.

6.It’s more affordable than you think!

For example, subject to underwriting, life insurance over a 20 year term for £500,000 on a joint life basis for a 30 year old non smoking couple, could cost as little as around £45 per month. Please give us a call, and arrange a non- obligatory review of your protection requirements.

There are many variables of Life Insurance, such as Critical Illness and Income Protection cover.

If you already have cover, we will assess if it is still good value, and appropriate for you requirements.

If you don’t, then we will calculate the amount that you ideally need, then research all plans that are available,to get the best value cover for you.