Safeguard your family’s financial future by putting policies and strategies in place that will protect against the financial hardship of unexpected illnesses or events.
None of us can predict the future, but we can plan for it. But what policies do you need? At what level of cover?
We can give you impartial advice based on your unique circumstances, goals and future aspirations. As with all financial decisions, they can’t be made in isolation. Allocation resources to one area like Family Protection, means not allocation funds to another like savings, investments or your pension.
When reviewing how protected your finances are in the future against adverse, unexpected event – it is critical that we look at the whole picture. We need to understand your overall aspirations and see how these fit with them.
Once we’ve helped you plot your journey, the type of strategies and policies we can specifically advise you on are:
- Life Cover
This provides life and/or serious illness cover for a fixed premium over a set number of years. During that term you’ll have peace of mind that at a minimum, that sum will be made available to you or your dependents should anything happen. At the end of the term the policy simply lapses.
- Income Protection
This type of cover pays you an income, rather than a lump sum in the event of you being unable to work due to accident or ill health. You need to decide on the level of cover and income that will be protected when taking out the policy – which is generally capped at around 75% of gross income.
- Serious Illness
This type of insurance, also often referred to as Critical Illness Cover, normally pays out a lump sum in the event of a diagnosis of certain specified illnesses. It is there to help you cope with the financial consequences of suffering a major life changing illness.
At Curran Futures we’re not sellers of financial products, we’re holistic advisors. Our fee-based transparent model ensure you are getting expert unbiased advice. There is no obligation to act on any of our recommendations. If you do, you can choose to source your own providers, or we can do it for you.