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

Permanent Health Insurance This type of policy will replace your income if you are unable to work through illness or accident until your specified retirement age. Currently this income is tax free and payment of benefits can be deferred for as long as your company pays you in the event of illness, if you are self employed there are policies that will pay out straight away.