Protection for you and your family

Financial resilience is the ability to recover quickly from an unexpected financial shock. Many of us insure our homes and cars without really thinking about it, but far fewer insure their lives and incomes. Savings can and do help in the short-term. But what happens when they run out? What happens if an illness goes on for three, six, or even 12 months? What then?

The ongoing Covid-19 pandemic and the associated condition of ‘long Covid’ has focused many people’s minds on the need for a rainy day fund and financial protection, particularly in light of greater awareness of the meagre nature of State support and rising prices. Increasing numbers of people are seeking advice around financial protection.

While nothing can ease the emotional distress the virus has caused and is continuing to cause, creating your own safety net can lessen its financial impact if you or your loved ones are directly affected by it. Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that, should you or your family need it, the right amount of money will reach the right hands at the right time.

Our guide includes:

  • The main types of protection
  • Types of term assurance
  • How to identify your priorities for protection

How we can help

Providers are constantly looking at new ways to meet people’s needs, such as through life insurance that includes critical illness and/or income protection insurance, which may be cheaper than taking out separate policies. It is important to look at your options – what do you need most now? How much cover do you need? Can you defer some cover until a future date? What can you do to protect yourself and your loved ones financially in light of the Covid-19 pandemic? We can help you protect your loved ones with insurance.

Protection for you and your family - Wren Sterling, independent financial advice.

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