Life Protection Advice

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Life Protection

If life throws something unexpected at you your loved ones, like an illness, redundancy or even death, you do not want to have to worry about financial stability. At The Financial Advice Experts, our local life protection advisors can help safeguard you and your family from financial misfortune.

Why Do You Need Life Protection?

An estimated quarter of breadwinners do not have life insurance, leaving themselves and their families vulnerable to financial hardship in the event of serious illness or their death. It is not only the primary income earners who need life protection. Imagine if your partner died, leaving you as a single parent to raise your children. Could you afford to take time away from work during such a difficult time, or pay for reliable childcare to help you maintain your current job? How would it impact on your ability to pay expenses like your mortgage and school fees, and would you have to significantly adjust your lifestyle to match a change in financial circumstances?

Finding the Right Life Protection

As with all the finest things in life, the best life protection is the one that is tailored specifically to suit your needs. Your protection consultation will involve looking at your financial commitments to identify a choice which meets your requirements regarding cost and cover.

Types of life protection can include:

Term Life Assurance

Covering the policyholder in the event of death, life insurance is a term typically used to define a fixed term product. For example, you may consider taking out a life insurance policy that lasts while your children are still dependent on you, or while they still have school or university fees to pay.

Mortgage Life Insurance

A mortgage life insurance policy is a fixed term policy that runs for the duration of a capital repayment mortgage. Although the premiums remain the same, the amount of cover reduces in line with the amount of your mortgage. Decreasing life insurance serves the same purpose.

Increasing Life Insurance

With the option to adjust your insurance cover in line with inflation, an increasing life insurance policy will ensure that the amount you receive at the end of the term will be enough to cover what you need it to pay for.

Whole of Life Cover

This type of insurance provides cover from the time the policy takes effect until your death, guaranteeing a payment at the end. Because payment is assured, premiums tend to be higher than fixed-term life insurance.

Critical Illness Cover

While death is something that happens to everyone, critical illness can take people by surprise. Life protection companies specify a range of illnesses that you can insure yourself against, with the policy paying a fixed amount if you are diagnosed with an illness that meets the defined criteria. It is also possible to take out terminal illness cover which pays a lump sum on diagnosis of a terminal illness, giving you the ability to ease financial concern during a difficult time.

Enquire online today and let us put you in contact with your local life protection consultant.

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Money can be complicated especially when it comes to planning for your family's unforeseeable future. As markets are volatile there are many things our IFAs will help you to think about - to both protect against and make the most of your wealth.

Our areas of specialism include

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