Life’s complicated enough when you’re fit, well and have a steady income coming in.
No one needs the added financial, practical and emotional problems that a death, a critical illness, or losing your job can bring.
But sometimes, without warning, these things happen.
Protection insurance can’t stop these things, but it can make dealing with the financial consequences a lot easier.
What are the options?
Life cover - This would provide for your family if you die or become terminally ill.
Critical illness – This cover could give you a lump sum if you were diagnosed with a critical illness like cancer, heart attack or stroke.*
Income Protection – This type of plan would provide you with an income once your sick pay with work (if you have any) stops if you are off work due to accident or illness.*
* In the case of the above, any claim must be in line with the conditions of the policy. Fernleigh Wearden & Co will be able to discuss the different options with you.
Is it expensive?
Not necessarily. For a 30-year-old in good health looking for a policy that would cover them for 25 years, £10 could get;
Around £250,000 of life cover, or
Around £30,000 of critical illness cover, or
Around £1,000 a month sick pay which would start once you have been off work for 3 months.
The amounts above could help you by covering your mortgage and everyday bills and expenses if you became ill, leaving you to concentrate on getting better. The amount it covered would depend on the level of cover you choose, your health and your smoker status.
Many of us already insure our homes, our pets and even our mobile phones – so why not insure ourselves?
Extra benefits
Many companies offer additional benefits for free, or for a small cost, including;
A face-to-face second medical opinion
Children’s cover.
Hospitalisation benefit
Bereavement counselling
Complementary therapies
Practical help at home
At Fernleigh Wearden & Co, we firmly believe that you should prioritise your outgoings to ensure that both you and your family are protected should the worst happen. Around £30 a month could provide you with this peice of mind for the next 25 years.
Get in touch for a free quote, or to see if you could get better and more comprehensive cover for the same cost elsewhere.
Contact us here;
@fernleighwearden
www.fernleighwearden.co.uk
01772 864314
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