Independent Financial Services

Personal & Family Protection

As your life changes so will your protection needs, and at each stage you can review and make changes as required. Basically, if you rely on your income to provide for yourself and others (spouse and children) then you need to protect that income in the event of illness, death or unemployment.

The following types of protection are available:

 

Permanent Health Insurance Critical Illness/Life Cover Family income Benefit Accident sickness and redundancy insurance or Mortgage Protection

Accident sickness and redundancy insurance or Mortgage Protection This type of policy will pay out for a set term and is designed to cover your mortgage related expenses if you are made redundant, or cannot work through illness. You are not entitled to any benefits from the Department for Work and Pensions for the first 9 months. Unless you have savings to use, your mortgage company may take legal action against you.