Life and Health Protection

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Don’t start your journey without this

If you have loved ones and you are not living entirely on pension and investment income you should be providing life and health protection against your early death or long term illness.

One of the lessons that many individuals will have learned from the 2020 Coronavirus pandemic is their vulnerability not just to an unknown virus from a health perspective but their financial vulnerability to suddenly losing their job without warning or being unable to carry on their business through reasons beyond their control. 

Very many families also became very vulnerable after the sudden loss of an otherwise healthy father, mother, husband or wife particularly if that person was also the main breadwinner in the family.

You may desire to move yourself and your loved ones towards a more financially secure future and you might have an excellent plan in place.  However, a sudden illness or disability, or your early death can pull the rug from underneath that plan.

You may remember the story in the Bible that Jesus told of the wise man who built his house on the rock. The rain came down, the streams rose, and the winds blew and beat against that house; yet it did not fall, because it had its foundation on the rock. However, he went on to speak of a foolish man who built his house on sand. The rain came down, the streams rose, and the winds blew and beat against that house, and it fell with a great crash. 

The rock needed for your financial planning is sufficient life insurance and health insurance in place to ensure that the future you are building for yourself and your family will continue to stand even if you become seriously ill or die too soon.

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This information does not constitute personal advice and should not be treated as a substitute for specific advice based on your circumstances.

Information given relating to tax legislation is based on my understanding of legislation and practice currently in force. Whilst I believe my interpretation of current law and practice to be correct in these areas, I cannot be responsible for the effects of any future legislation or any change in interpretation or treatment. In particular you are warned that levels of tax and tax reliefs are subject to alteration and, in any case, the value of such reliefs and benefits may depend on an individual’s circumstances.

If you are in any doubt as to whether any course of action is suitable for you, then you should discuss the matter with a suitably qualified independent financial adviser or other specialist.