WE HELP YOU GET YOUR FINANCES IN ORDER
Savings and investments.....
We offer a range of Investment Products from various providers to align with your financial requirements and risk appetite.
Income Insurance, also known as income protection provides you with a replacement income if you cannot work as a result of an illness or injury after a certain period of time.
You can take out income insurance if you are in full-time work or are self-employed and earn an income. It protects you only in these circumstances – it will not be paid if you become unemployed. You must keep up your payments to stay on cover.
It pays you a regular monthly income, replacing some of your earned income. Cover continues until age 65 or you return to work.
Life insurance, also known as life cover or life assurance is a way to help protect your loved ones financially if you were to die during the length of your policy.
Please remember that life insurance is not a savings or investment product and has no cash value unless a valid claim is made.
You choose the amount of cover you need and how long you need it for and you can pay your premiums monthly or annually. In return, your family has the reassurance of knowing that if you died while covered by the policy they could receive a cash sum payout if a valid claim is made.
As a nation we are living longer so the need for a realistic retirement plan is very important. Also the State Transition Pension was abolished in January 2014, thereby increasing the pension age to 66.
The state pension age is due to increase further to age 67 in 2021 and 68 in 2028. There’s never been a better time to start or review your pension
Serious Illness Cover....
If you are thinking about taking out serious illness insurance, it is important to realise that it would not replace your income if you were out of work due to long-term illness.
Serious illness insurance will only pay out if the illness is covered by the policy. Many illnesses that would prevent you from working may not be covered by your policy. Even when the illness is covered, the policy pays a once-off lump sum and not an ongoing income.
You should check with your insurer or broker for details of the illnesses covered before you take out a policy.
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