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Find the Right Protection

No matter where you are in the world, you need to make sure you have the right protection for you and your family. Although building up your pot of wealth is important, so is protecting it for unforeseen circumstances in the future. The last thing you want to be doing is putting your family at risk.
Is life insurance worth the money?

While many people don’t agree with the principles of life insurance, this doesn’t change the fact that death could be just around the corner for anyone of us. If you are single with no children then life insurance is not necessary, but if you have a family then there aren’t any good reasons not to have life insurance. You insure your car, house, and phone so why would you not insure your family?

What type of life insurance is right for me?

There are two main two types of insurance, term assurance (whole of life cover) and life insurance (fixed-term cover). Whereas life insurance has a fixed term, life assurance typically covers you for your entire life and so is often known as ‘whole of life’ cover. Premiums for this type of cover tend to be more expensive than for life insurance as a payout is guaranteed. We would need to know your circumstances better first to know which would suit you best.

Why should i plan for something which may never happen?

While this is a valid question and something may never happen to you until you are old and retired, what would happen if you fell ill early in your career and were unable to work? If insurance companies know you are ill, they can increase the premium cost or even refuse you as a client. Having the peace of mind that your family is protected can be a blessing in disguise if something were to happen.

Protection

What would your family do if something happened to you and you were the only breadwinner in the family? Would your family have money to survive? Would your children still be able to go to University? Could they afford to live in the house they are currently in?

Cover

The question we are often asked is how much insurance do you need? We can help you understand what you do and don’t need cover for. For example, do you need to protect a mortgage or even school fees in case of death or illness? We have special formulas to work these figures out for you in no time.

Term

Depending on what type of insurance you want will depend on how long you need it. Generally speaking, people have life insurance to cover their working life, but other factors can play a role too.