Protect your family

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Protect what really matters

Protect him, protect her, protect them

Protecting your family’s future is essential when considering a protection package that is right for you. Ensuring you have an insurance policy to repay your mortgage in the event of you dying or becoming critically will go a long way to protecting your family. Protecting your income in the event of not being able to work due to an accident or illness will also help protect your family, however sometimes more is needed.

In the event of your death, you may want to provide your family with a regular income so they do not have to sacrifice the things which are important, such as being able to stay at home to raise young children, school or university fees or just allowing them to maintain a standard of living you feel they deserve.

This can be easily achieved by arranging a family income benefit plan. Family income benefit is effectively a decreasing term life assurance plan, however rather that your beneficiary receiving a lump sum upon your death, they would receive an annual income instead. I.e if you take a policy with a term of 20 years with benefit of £20.000 and you were to die in year two, your beneficiary would receive an annual income of £20.000 for the remaining 18 years of the plan term.

This type of cover is often used to provide added financial security for loved ones and the premiums are often very affordable. Family income benefit is often arranged to run alongside level term or mortgage life assurance meaning your family receive a lump sum to repay the mortgage and receive an income for a set period of time.

We cannot predict when, where or how the unthinkable will happen, but we can protect against it. A tailored protection solution for your individual needs will provide you and your family with peace of mind that if the unspeakable does happen your home will be secure.

As with all insurance policies, conditions and exclusions will apply.