Life or critical illness insurance is one of the most important protection products a family can have, yet it is probably the
most neglected.
Buying your first home, moving house or undertaking major improvements to your existing property can be very exciting and
rewarding, but it can also be a time of emotion and stress.
Certainly, you will be making a major financial commitment and, although there are so many things to deal with, it is
important to ensure you and your family will always be able to enjoy living in your home.
A key point is protection.
You should select cover to provide a lump sum designed to repay your mortgage in full should you die or suffer a
critical illness, or, become totally disabled.
You may also choose to provide a regular income for your family if you have to stop work through illness, injury or
unemployment. You can also choose critical illness cover for each of your children, as if a child needs care
through illness, one partner may need to give up work.
There are two basic types of cover available.
Level term insurance or reducing term insurance. Simply, with level term, you will always receive the insured lump
sum throughout the life of the policy, but with reducing term, the cover will reduce along with the balance of your mortgage.
Complete our contact form now, and one of our local advisers will call to
discuss and explain the best policy to suit your needs. Or, click here, to obtain
a quote on-line. Peace of mind, particularly where your home and family are involved, is worth every penny.
