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The aim of protection is to provide money for people who financially depend on you, or in the case of an employer to offer peace of mind to your employees.
It's important that you consider the impact and consequences that your death or your suffering from ill health might have on the people closest to you.
Having adequate building & contents insurance in place ensures your home and belongings are protected from unfortunate events like theft, fire or a natural disaster such as flooding.
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Life insurance pays out either a lump sum or a regular income on death (via Family Income Benefit), thus providing a financial safety net for your loved ones. This money can then be used to clear debts, such as an ongoing mortgage, or to fund everyday living.
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For many, the financial risks of a critical illness or injury are more important (and likely) than death, as it may lead to loss of work, treatment and additional care costs. A critical illness policy will make a lump sum payment or provide a regular income (see below under Family Income Benefit) on diagnosis of pre-defined “critical” illnesses, serious conditions or injuries. The conditions covered and level of pay-out vary greatly from policy to policy so it is vital to read the terms and conditions of each policy rather than simply opting for the cheapest one.
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Through illness or injury, a percentage of your income can be protected with Income Protection Cover. When your income is important, it's certainly worth protecting.
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Family Income Benefit policies are designed to pay a regular, fixed, tax-free income on the death of the insured (rather than a lump sum) until the end of the policy term.
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Providing peace of mind for your staff will be of benefit to both them and your business. A *tax efficient relevant life plan can help to attract and retain the best people. This in turn can help your business to thrive.
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