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Preparing for the Unexpected

For the confidence that you’ll be able to support yourself and your loved ones no matter what happens in the years ahead, consult a professional financial adviser today.

  1. Are you mortgage, loan or debt free?
  2. If you had to stop work through illness, could you afford to keep up repayments?
  3. Do you have savings that would see you through?

  1. What type of employment do you have – and would your employer pay your salary during a long-term absence?
  2. Do you have a partner whose income could cover the household commitments?
  3. Would you be able to cope on statutory sick pay?

  1. Are you the main earner for your household?
  2. Would your family’s financial situation be a concern if you fell ill or became disabled?
  3. Would you find peace of mind in knowing you had a financial safety net?

  1. Are there two earners who each make essential contributions to your household income?
  2. Would support to get back to work, if possible, be a priority for you in the event of illness of disability?
  3. Are you keen to cut through complexity and find a clear solution for your financial security?

  1. Are you unsure that your current critical illness or income protection cover will be effective if the unexpected happens?
  2. Would you like help to identify the best cover for your available budget?
  3. Would you welcome a personalised analysis to help you make an informed choice?

Preparing for the Unexpected Download

98% of protection insurance claims presented in 2017 were paid out upon claiming2. BOOK YOUR REVIEW UK insures pay out £9.9m every day for protection policies. BOOK YOUR REVIEW £96.35 statutory sick pay is only £96.35 per week for a period of up to 28 weeks. BOOK YOUR REVIEW £68,000 the average value of critical illness claims paid in 2016 was £68,000. BOOK YOUR REVIEW 40% Inheritance Tax (IHT) is applied on assets worth over £325,000 BOOK YOUR REVIEW 8.9 of every 1,000 opposite-sex marriages end in divorce BOOK YOUR REVIEW £33,904 is the annual cost of residential care in the UK, this can rise for more complex needs BOOK YOUR REVIEW £63,224 is the average cost of raising a child between 1 and 4 (discounting private education) BOOK YOUR REVIEW £40,000 Those who receive financial advice accrue an average of £40,000 more than their counterparts BOOK YOUR REVIEW £231,843 According to research, raising a child costs an average of £231,843 BOOK YOUR REVIEW £6,000 2017 studies show that retirement income is more than £6,000 per year higher for those who plan ahead with an adviser BOOK YOUR REVIEW 137m working days were lost due to sickness or injury in the UK during 2016 BOOK YOUR REVIEW 50% of UK citizens born after 1960 will be diagnosed with a form of cancer at some point in their lifetime according to Cancer Research UK BOOK YOUR REVIEW