No one ever expects the absolute worst to happen – the fact that we might not come home one day. We think that we’re invincible, but we don’t often live up to that expectation. We never know when our time is up, and all too often we don’t have the right plans in place to help our loved ones if that were to happen.
How would you want your family to continue if you couldn’t keep taking care of them? Would you want the mortgage on your family home to be paid, and see your children head off to university?
Life insurance protects your family from the impact of not having you there.
Your partner will be able to pay off the mortgage and spend time with the family without the need to return to work after a major loss. Your children will be able to head off to university to pursue their education, knowing that you have helped them to achieve their dreams. Your credit card debt or car loans can be covered, so you can rest knowing that your family’s finances have been sorted.
Life insurance comes in all shapes and sizes. Too often we assume that life insurance is just to cover the mortgage but it is much more than that. Our Advisers will make sure that all of your needs are covered, in both the short and the long term.
As you get older, your needs change. Your children aren’t as dependent on you any more, and the mortgage has decreased. You’ve sold the business and are enjoying your retirement. As you advance along your financial journey, our Advisers will make sure that your insurance cover works to suit your needs.
Life insurance can also provide cover for funeral and estate expenses, one less stress at a difficult time.
We will structure your life insurance to best suit you, taking into account your long and short-term aspirations. Together, we will work with you to make sure that the goals that you have for you and your family are covered.