You & your family
Workplaces are suffering from persistent presenteeism as up to 28 million employees may be coming into work when ill.
Have you considered what would happen if long-term illness affected your ability to earn an income?
There are various ways you can protect yourself and your family should you die, suffer a critical illness or be unable to work due to long-term accident or illness.
We can help you by reviewing your situation and suggest the best options available to you.
Life Assurance is designed to provide your family with a lump sum should you die during a predetermined period (generally the term of the policy). The lump sum can be used to pay off a mortgage, pay for school and university fees or to ensure your family can live comfortably.
Cover can be level, increasing or decreasing. Level cover will provide a fixed payout throughout the term whereas payouts from decreasing cover will diminish over time. Cover can be set up for as long as you need.
Usually there is no cash in or surrender value so at the end of the policy term, the cover will lapse without value.
There are other options available which we can discuss with you.
Income Protection Insurance
Income Protection Insurance is designed to provide you and your family with a regular income to replace your earned income if you are unable to work due to long-term accident or illness.
You decide how long you would like to wait for cover to be paid out and at what age you want cover to stop. The shorter the time before cover starts to pay out, the more expensive the premium. Cover can be level or increasing and if you claim, benefits are paid out until the plan expires or you return to work, whichever is earlier. Find out more about Income Protection cover here.
Talk to us about how to protect your family and your business if the worst was to happen.
Speak to a personal protection expert
Personal tax planning
We will help you complete your tax return and minimise your personal tax liabilities by planning income and gains.
You & your family