Protection and Health Insurance
While most of us insure our home, car, and valuables against damage or loss, many people fail to adequately protect themselves, their family, or their business against catastrophic financial loss from illness or death. We may not be able to prevent the occurrence of illness or death, but we can reduce the impact such a crisis will have, providing peace of mind and financial protection.
Ask yourself; if yesterday you had died, how would your partner, family, or business cope financially without you? If you had been diagnosed with a life-threatening critical illness or were unable to work because of sickness, would your income be protected and would you or your family still be able to pay the bills and maintain your current standard of living? Would your business continue to function?
If you needed medical attention, would private treatment at convenient times be helpful to you or your business? If you have an accident and become disabled or are in need of long term care, would you have enough capital and insurance protection to maintain your current standard of living for the rest of your life without selling assets?
We also protect businesses from the financial effects of illness or death of directors, partners or key staff. Group employee benefit packages can include life cover, critical illness, income replacement and medical insurance.
We can help you and / or your business to transfer risk to an insurance company. Please click on any of the following links for information about Life Assurance, and Critical Illness Protection, Income Protection, Mortgage Payment Protection Insurance, Private Medical Insurance, and Long Term Care Fees Planning.
In an article published in MoneyMarketing on November 3rd 2005, (and which is reproduced here with their kind permission) Len Warwick argued that it is important for financial advisers to make clients aware of the need to use life assurance protection, and that sometimes pointing out life's vulnerabilities is required in the interests of clients and those personally or professionally depending on them.
Please click here to view the MoneyMarketing article.