Life and Serious Illness

Do I need cover ?

• Are you employed ?
• Are you married ?
• Do you you have children/Dependents?
• Are you self employed?

Most people know there is a need to protect themselves against financial hardship that could be caused by an illness or death in the family.

The main purpose of financial protection is to make sure you won't have money problems if a misfortune like an accident, death or illness happens in your family. Basically, all protection policies are designed to replace lost income and provide a money benefit when it is needed most.

Examples:

• Life Cover is necessary for anyone buying a house. It is used to clear your mortgage should you die during its term. You can also attach serious illness to this life cover and hence if you contract a serious illness your mortgage will be cleared, giving you and your family financial peace of mind.
• Life Cover can be used to protect your dependants if you were to die while they are still financially dependant on your salary.
• Life cover will ensure the financial survival of your business in the event of the death of a director or key employee.
• Serious Illness Cover will provide you with a lump sum payment on the diagnosis and certification of a prescribed serious illness.
• Income protection cover, due to an illness or injury you may be unable to work in excess of 13 weeks. We can quote you for cover to ease the financial burden, until you return to work.
• Whole of Life Cover can provide family protection as long as you and your dependants need it.

Serious Illness Cover

Serious Illness cover provides a lump sum payment on the diagnosis and certification of a prescribed serious illness. The main claims for serious illness are for Cancer, Stroke and Heart attack but as well as these they cover many other illnesses such as Heart surgery, MS, Kidney failure etc.

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