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Life Assurance is a cost-effective way to protect your loved ones and their futures. A good policy can be used to replace your lost income, pay off your mortgage, fund child care costs, help secure a good education and safeguard your loved ones from inheriting your debts. The cover that you require can of course be structured to match your specific circumstances, taking into account any existing cover or assets that could help. Lump sum cover can provide an immediate sum on death. However, it may be preferable for you to insure an annual amount that can be used by your dependent(s) to replace your lost income and this may be easier for them to manage than receiving a lump sum at outset.
Critical illness cover will pay out a lump sum if you survive a critical illness, helping to alleviate at least any short-term financial stress, such as paying off a mortgage, or providing funds to help you get back on your feet during a period of convalescence. The most commonly known critical illnesses include cancer, stroke, heart attack and multiple sclerosis (MS). Advances in medical science, improved hospital care and the fact that people are generally living healthier lifestyles means that the number of people surviving critical illnesses over recent years has increased dramatically. It is therefore important that when assessing your protection requirements, this is not overlooked.
We can guide you through the various protection options and help you to structure your benefits according to your needs and budget.