Health and Family Life Insurance
These days, for people of working age, good health is the normal state, and few people consider what would happen if , due to ill health, their career was interrupted or even stopped. For others, the risks are of frailty in old age.
This group of insurances covers all these issues - from getting fast and effective health care, to providing lump sums for more serious problems, to providing income where long term ill health prevents you working, to providing for the (potentially life savings destroying) cost of old age care.
In short, they are all about maintaining your Quality of Life in adverse circumstances.
The aim of life assurance cover is to provide money for people who financially depend on you.
If there is no one who will be financially distressed by your death, life assurance is probably not essential, though there are other reasons why it would be useful.
One simple question:
"if you were in a fatal traffic accident tomorrow, would anyone else be left in the financial mire?"
If the answer is "yes", then we should discuss your insurance needs, in order to ensure that you and your dependents needs are properly catered for.
To discuss this further, please contact us.