The one people most commonly look to take out first is actually the one least likely to be required and that is life cover. In fact, research has shown that you’re twelve times more likely to be off work than to die. But many people fail to make adequate provision for income replacement.
That’s why the order we’d encourage you to think about them in, is income protection, critical illness and then life cover. As the inability to do your job is going to have severe implications, we always stress the importance of exploring the various options to protect this first and foremost. With income protection insurance, for example, your salary can still be paid even if you cannot not work, so if you don’t have all the added stress of worrying about that side of things. Our experts will propose various, flexible plans, combining different cover amounts, terms and options, all designed to give you peace of mind.
It is also possible to discuss Wills with one of our qualified advisers, who works with many of our clients to help them plan their estates properly. We cover activities such as Will writing, lasting power of attorney, protective property trusts, inheritance tax and planning and probate.
So why not let us handle all the details of your personal protection, so that you can get on with living your life, safe in the knowledge that all the essentials are taken care of.