Starting a Family

When you have children it is important that they would be looked after financially should the worst happen, you would want them to be able to remain in their home and be able to do the things they enjoy whilst growing up. It is therefore important to have life cover in place to provide a lump sum or income on death, wages would be lost, or someone may have to give up work or reduce hours to look after the children on their own.

Critical Illness cover is also important, which covers things like Cancer, Stroke, Heart Attack etc, again if one of these things happens, there would be a good chance you would have to give up work, and possibly even have to pay to have a home adapted to cater for the possible disability, all of which costs, finally there is Income Protection, this would provide an income if off work through accident or illness for a period of time, which would allow you to carry on paying bills, rent or mortgage and general living.