Protecting your family
It’s important that you have plans in place to financially protect your spouse and children, and your business.
If you financially support a partner, children, or aging parents, you need life insurance, or similar policies which protect against critical illnesses and long-term sickness.
If you own a business, you will want to ensure it survives for the benefit of your family. You might also need to protect against the unexpected death of a business partner.
The same applies if you are diagnosed with a critical illness or suffer a serious accident, or have an illness which prevents you working for a prolonged period.
We can tailor a solution for any of these scenarios entirely to your needs.
Find out more in these two sections:
› Business Protection
› Family Protection
If you are a business owner, major shareholder or senior manager, you will have put a huge amount of time, effort and resources into growing your business.
But what happens if you or one of your fellow shareholders dies or becomes seriously ill? Will the business survive? If it does, will there be a notable hit to profits?
For starters, ask yourself these questions:
For starters, ask yourself these questions:
› Do you have employees who are key to maintaining growth and profitability of your business? If so, your profits will take a hit if you do not have protection in place.
› Will the bank call in loans if that person dies?
› Will the business continue paying you if you fall ill? For how long?
› If a shareholder dies, who gets his or her shares? If they pass them on to their surviving spouse or partner, this could cause ongoing conflict.
Getting life insurance can often be overlooked, but if you have just had a child, it should be made a top priority.
The death of a parent can place the spouse under considerable financial stress, so it is essential you have measures in place to protect your family.
We understand that having a new baby not only comes with great joy and a lot of distraction, but also additional expense. However, family protection is very affordable.
We can help you get the right family protection as well as answer the following:
We can help you get the right family protection as well as answer the following:
› How much life cover is needed?
› Do both parents need cover?
› What policy is right for me?
› What if I have a long-term illness or am incapacitated and, consequently, not earning?
› Should the policies be in a trust?
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