Paying off some existing debts?

Sometimes it can feel like you need to tackle financial goals one by one. And if you’re working hard to pay off debt, adding insurance to your list of monthly outgoings can feel like a stretch.

But if you became too ill to work, how would you carry on paying the credit card bills? Not to mention the rent or mortgage or your utility bills

Insurance can’t stop serious illness, but it can make dealing with the financial consequences a lot easier.

What are your options?

Income protection could provide an income if you become too ill to do your job. You can choose when you want the income to start – usually when your employer’s sick pay stops.

Critical illness cover could give you a lump sum if you were diagnosed with a critical illness like cancer, heart attack or stroke.

And life cover would pay a lump sum to your loved ones if you die or become terminally ill, which could be used to pay off your mortgage, or to provide a regular income for years to come to support the family’s outgoings.

Is protection insurance expensive?

Not necessarily. Just can start from £5 a month and may be in addition to any state benefits you may be entitled to. The amount you would be covered for would depend on the level and type of cover you choose.

Many of us already insure our homes, our pets and even our mobile phones – so why not insure ourselves?

Fernleigh Wearden & Co can provide you with an indication of cost over the phone, at a face to face meeting, or by email, at no cost to you. And even better than that, we are normally cheaper than online comparison sites and regularly cheaper than the existing cover you may have in place already. We are paid a commission by any insurance company we use, which means that the price we quote to you is the price you pay, with no extras on top.