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Life Insurance

Life insurance policies pay out a lump sum
or ongoing amounts on the insured person’s death.

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What would happen to your family if you never made it home from work today?

With life insurance, you can make sure your family is protected even if the worst happens to you. It makes sense to take precautions against the financial impact of your death.

A Financial Broker will help you assess your need for life insurance cover. This will depend on your age, family circumstances and lifestyle. Typically you will want your mortgage and any loans cleared. You may wish to provide a fund for burial and allow your surviving partner to take time off work. You may also want to replace your income for a time while your children are dependent.

What we have learned about life is: things change

Life Insurance

Benefits

  • What can I expect from a
    Financial Broker?

    A Financial Broker will help you assess your need for life insurance cover. This will depend on your age, family circumstances and lifestyle. Typically you will want your mortgage and any loans cleared. You may wish to provide a fund for burial and allow your surviving partner to take time off work. You may also want to replace your income for a time while your children are dependent.

  • Assessing your
    Exact Needs

    Your Financial Broker will assess what cover you have in place through mortgage protection, pension schemes, other policies and social welfare benefits. If there is a deficit in cover, your Financial Broker can advise on the best way of providing the cover through term insurance or whole of life cover; the term length of the policy; whether cover is provided by a lump sum or income benefit, or a mix of the two. Your Broker will also compare policies from across a number of different life insurance companies and recommend the most appropriate for you.

Things to watch out for

  • Is the policy level or convertible term? Convertible gives you the right to take cover again without evidence of health. It is useful if your health was to deteriorate and you couldn’t get cover at the end of the term.

  • Does the policy require a trust document? This is to ensure benefits go to the right people.

  • Who provides any guarantee?

Financial Advice From The Experts

Financial Brokers are experts on financial planning matters and work on your
behalf giving you a choice of products and providers from across the market.