Health, Life & Income Protection

Your ability to work and earn an income is an extremely valuable asset. It enables you to provide for your family, yourself and all of your dependents. Imagine what would happen if this stopped and you could no longer continue to provide.

Today’s lifestyle of hectic work life, quality of foods, urbanisation and rising pollution is contributing to an increase in chronic health problems. Supporting your family financially regardless of life’s unexpected ups and downs can reduce stress and improve your health status. You cannot plan sickness, but you can plan for financial security through health insurance.

Life insurance is a way of helping your family cope financially when you die. It is intended to provide help to your loved ones when they can’t rely on your salary or income any longer. The pay-out can be used to clear debts, pay off the mortgage or just cover everyday expenses. Not everyone needs life insurance (also known as life cover and death cover). But if your children, partner or other relatives depend on your income to cover the mortgage or other living expenses, then the answer is yes – you probably do want life insurance, since it will help provide for your family in the event of your death.

Critical illness insurance provides you with a lump sum of money if you are diagnosed with certain illnesses or disabilities. Most people imagine that a serious illness only happens to other people. However the true picture is quite different – 25% of women and 20% of men will suffer from cancer or heart attack before they reach retirement age. We often consider what would happen to our families if we were to die prematurely but rarely consider the effects of a critical illness. Critical illness can have a devastating effect on family, whether just paying for the bills or extra costs in adapting a home or travelling for hospital treatment. In taking out Critical Illness Cover, you will protect your loved ones enabling financial support, should something serious happen to you. Critical Illness Insurance will pay out a lump sum if you are diagnosed with a critical illness, the most common of which are heart attack, cancer and stroke.

To find out which types of protection best suit your needs speak with an expert today.