Protection

Personal

Life is unpredictable, so we should make sure our family is adequately provided for, should things happen to us.

Type of protection:

• Life Assurance - lump sum paid out on death
• Decreasing Term - to pay off a repayment mortgage
• Family Protection - provide either a lump sum or an income in event of death    
• Critical illness - pays a lump sum in the event of suffering from a named illness
• Whole of life - pays out when you die
• Income protection - replaces income in event of illness
• A.S.U - short term benefit if accidental sickness or unemployment
  

Business Protection

• Can insure key person, shareholders or directors and partners. Can insure against death or critical illness.