Protection is an area often given little or no attention to but can be the most important financial decision you will ever make and should certainly be the first consideration before discussing any other form of financial planning.
We live in an uncertain world where maintaining financial security is essential for us all. That’s why you need to make sure that you and your family are financially protected, should you suffer an illness or accidental injury and are unable to work, or should the worst happen. Life cover can help safeguard your family’s financial future, giving you the peace of mind that if the worst should happen, the cash sum payable will help your loved ones at a very distressing time. There are many different types of Term Assurances contracts available.
Critical illness helps you cope with the financial impact of critical illness which can be far more financially devastating than death. This contract would provide a capital sum upon diagnosis of on of a list of specified illnesses. The importance of advice is more important with this type of contract as the definitions and benefits can be far more confusing.
Income protection is a contract that is designed to pay you replacement income in the event of being unable to work due to accident or illness. Again this type of contract requires detailed advice as the different policy types can be confusing to the layperson.
At Homebuyer Financial Services Limited we help you select the right type of insurance. We will provide Term Assurance quotes, critical illness insurance quotes, life insurance comparisons including mortgage life insurance.