We're all used to insuring cars and homes - there's no question that it needs to be done - and we renew our policies almost automatically each year. But what about insuring the most important thing of all - the future of our loved ones?

Most people would agree that family is their no.1 priority. And yet for all our good intentions, we sometimes end up giving our loved ones unnecessary stress and financial hardship. Why? Because we haven't planned for the worst.

The Facts
If you died or became too ill to work, what would happen? How would your family pay bills, buy food, cover the mortgage? If you don't know the answer, it's probably time to consider ways to keep your family secure, whatever happens. Take a look at these facts:

  • Every two minutes, someone in the UK suffers a heart attack and around 2.6 million people are currently suffering from coronary heart disease.
  • More than 1 in 3 people will contract a form of cancer at some point in their lives, with 50% surviving more than 5 years.
  • Stroke is the largest single cause of severe disability. While one third of people make a good recovery, around one third die within a year and one third are left with serious disabilities leaving them unable to return to normal work
  • 1 million people are treated in hospital for head injuries each year and 9 out of every 20 victims with severe head injury will not return to work

Sources: British Heart Foundation 2002/Cancer Research 2002/BASIC 2002/The Stroke Association 2002

These facts may seem alarming, but it highlights the reason why protection is so important.

Protection comes in various forms which can provide cover for a set term such as Life cover/life insurance commonly know as term assurance or critical illness and income protection, or can provide cover for the whole of our lives with a whole of life policy.

If you would like assistance in determining the right sort and level of protection for you, or would like to review you existing cover to see if the premiums are still competitive please contact us.