The aim of personal protection is to provide money for people who financially depend on you. You need to consider the impact and consequences that your death or your suffering from ill health might have on the people closest to you.
Buildings & Content Cover
Having adequate building & contents insurance in place ensures your home and belongings are protected from unfortunate events like theft, fire or a natural disaster such as flooding.
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Life insurance pays out either a lump sum or a regular income on death (via Family Income Benefit), thus providing a financial safety net for your loved ones. This money can then be used to clear debts, such as an ongoing mortgage, or to fund everyday living.
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Critical Illness Cover
For many, the financial risks of a critical illness or injury are more important (and likely) than death, as it may lead to loss of work, treatment and additional care costs. A critical illness policy will make a lump sum payment or provide a regular income (see below under Family Income Benefit) on diagnosis of pre-defined “critical” illnesses, serious conditions or injuries. The conditions covered and level of pay-out vary greatly from policy to policy so it is vital to read the terms and conditions of each policy rather than simply opting for the cheapest one.
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Through illness or injury, a percentage of your income can be protected with Income Protection Cover. When your income is important, it's certainly worth protecting.
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Family Income Benefit
Family Income Benefit policies are designed to pay a regular, fixed, tax-free income on the death of the insured (rather than a lump sum) until the end of the policy term.
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