Protection

We all want to do the best for our families, and keep them properly protected on every occasion. With our help and advice, getting the right plan in place can be simple and straightforward. The Principals and advisers Chris & Mike have over 70 years of financial services experience between them.

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Financial peace of mind for you and your family

We all want to do the best for our families, and keep them properly protected on every occasion. Overlooking the need for life cover could mean that you’d leave your family with money worries at the worst possible time.

If you need convincing that life insurance is a good product to buy, ask yourself this question. If you were to die, how much money would your family have to live on? Many families would find themselves running short of money very quickly. Your salary would stop, but the household bills would keep coming in. A payout from a policy could make the difference between your loved ones facing a financial struggle at a challenging and emotional period in their lives, and being able to maintain the sort of lifestyle they enjoyed when you were still around.

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Life Insurance and Life Assurance

Life insurance is cover you take out for a set number of years. You agree the term of the policy at the outset, usually between 10 and 25 years. That’s why you’ll often find this type of policy referred to as term insurance.

Life assurance, by contrast, is designed to provide cover until you pass away. It can be more expensive than life insurance as it covers you for a longer term and pays a lump sum in the event of death, whenever that occurs.* You may have heard the phrase ‘whole life’ or ‘whole of life’ used in relation to this type of policy.

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The importance of disclosing all the facts

When you take out any form of insurance, you will be required to complete an application form and answer various questions, so that the insurer can assess the risk they’d be taking on by insuring you.

You’ll be asked to disclose any information or material fact that could have a bearing on that risk. So, it’s vitally important that you disclose all relevant information; if you don’t, the insurer could declare the contract null and void, and wouldn’t pay any claims made under the policy.

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