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

Family income Benefit This type of policy will replace your annual income, in the event of death or earlier critical illness if selected, for a specified term, it is generally the cheapest form of life assurance as the benefit is only paid for the remaining term.