Life Assurance & Income Protection-Are you fully protected?
Life assurance may be boring but most of us need it at some time or other in our lives whether it is
to protect our dependents or provide a cash lump sum to pay inheritance tax on death. We all want
security for our family and a chance to maintain the financial stability we have worked so hard for.
That’s why it is important to look ahead and plan for the eventualities we hope might never happen.
Did you know that life assurance experts recommend a married couple with a non working spouse?
and children insure their lives for a minimum of 15 times the family income? Are you aware that
over half the UK population have insufficient life cover and many have none at all? (Source: Aviva
2009.)
Have you considered the financial consequences for your family if you were to die unexpectedly without adequate insurance cover?
Don’t bury your head in the sand, talk to us about your requirements and let us work together to
find the right solution for you. For a personal illustration please complete the quick quote form on
our website www.fiduciarywealth.eu.
If you are planning on moving abroad it is even more important to ensure that you think about your insurance requirements as the options available are much more limited for expatriates than for UK residents
How would you cope if you were unable to work because of long term sickness or ill health? You might think your employer would continue to pay your salary but have you checked how long for and on what basis? You might think the State would provide for you but do you know how much benefit you would receive and how long this would last?
The simple truth is that the best way of safeguarding your income is to take out an income protection policy that will replace a proportion of the income that you have lost and enable you to continue to pay your mortgage, loans and household bills until you are in a position to return to work. Without this type of arrangement any savings you have might be quickly eroded and you could be jeopardising the future of your family, home or business if self employed.
At Fiduciary Wealth we tailor our advice to suit our client’s needs by offering a full suite of products
from those with the highest quality of cover to those that are the most competitively priced. We can
arrange life and critical illness cover as well as income protection and private medical cover.
Speak to one of our specialist insurer advisers to find out how we can help. Telephone +350 200 50982 or email wealth@fiduciarywealth.eu
Visit www.fiduciarywealth.eu
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