Why You Need Life Insurance

We can’t predict the future, but we can remove the stress when things might not go totally to plan. Insurance transfers the financial risk onto an insurance company, freeing you up to get on with life without worry.

Life Insurance for the Stages of Your Life

Recently married, starting a family, just bought a new home, starting a business, thinking of retiring?

Whatever stage you are in life, don’t get caught out, ensure you and your loved ones are protected.

Matching Life Insurance to Your Needs

When things go awry, any financial stress is taken away by the right insurance policy. Maybe you need to go into long-term care, what if you die and your family is left with your mortgage? Is your small business secure, what if it collapses? You can protect yourself and those around you, so you have peace of mind to get on with life.

Insurance is for you as well as those you love

We tend to think of life insurance as just paying out when we die, but there are options which will benefit you when you are alive, from paying out a supplemental income for your retirement to covering costs of health care if you fall ill.

Income Protection

Instead of worrying about paying the mortgage, rent, or bills if you become sick or injured and unable to work, people should consider getting income protection.

Income protection provides peace of mind by ensuring you continue to receive income if you become unable to work due to illness, injury, or terminal illness. Income Protection in Essex advice policies typically operate in the following manner:

The benefit will replace part of your income if you lose earnings because illness or injury prevents you from working

Income protection insurance provides financial coverage if you are unable to work due to illness or injury. Benefits are paid until you recover and return to work, reach retirement age, or die - whichever comes first. Coverage ends if you reach the maximum claim period or your policy terminates.

Whatever your walk of life, business and lifestyle there is a way you can protect yourself in the event that things do not go to plan.

Contact FOL Wealth Income Protection specialist via email advice@folwealth.com

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