Let us help you get 2020 off to a great start with something that’s much, much easier than going to the gym. We can help you make a great New Year’s resolution. It’s to keep, and it might be a life-changing promise for your family.
Today’s the day to find out what you need to know, about what matters most. Insurance isn’t exciting, but it is important. If you knew that it would suddenly be hard for your family to pay the bills tomorrow because you didn’t take action today, wouldn’t you want to do something about it?
New Year’s resolutions are too easy to forget. We’re all guilty of having too many things on our to-do list. But this is one job you might really regret putting off, if anything did happen to you. The best time to put insurance in place is when you first think about it – when you’re reading this blog, really – while you’re feeling great, and while the premiums reflect your youth.
Life insurance and critical illness aren’t just about cancer – although we all know someone who’s been affected by this terrible disease, and the statistics now say that half of us will be affected by cancer at some point in our lives. Life insurance covers a whole range of situations. Critical illness does, too. Why miss out on peace of mind, when you can put a simple policy in place that will help take care of the people you love most?
In the first instance, it might help to have a quick overview of the most common types of protection insurance on the market today. Here’s our two-minute guide to get you started:
Life insurance
Life insurance is a type of protection that’s there to help your family, financially, if you die unexpectedly during the term of the policy. It can help to pay off your mortgage or cover your existing payments and commitments so family life can still function. It’s there to give your family financial security and peace of mind.
Critical illness cover
Cancer affects 1 in 2 people now. Imagine – how your family would cope if you were diagnosed with a critical illness? Could you still pay the bills? Could they access savings to pay for private treatment, or childcare if you need to spend time going in and out of hospital? Critical illness cover (CIC) gives you one, tax-free sum of money if you’re diagnosed with a specific illness or medical condition, so you can take the time you need to look after a loved one.
Income protection
Would your employer or the government pay your wages if you had to take some time off work due to illness or injury? More importantly, would that be enough to pay your bills? Income protection can help to take the pressure off – letting you concentrate on getting better and getting back to work.
Family income benefit
If you’d like your family to have a regular income to cover the cost of everyday living when you die, then you could set up a family income benefit policy. Family income benefit lets you choose the amount of money your family would receive each month, and how long that amount should be paid for.
Please get in touch, we’ll explain how it works. You owe it to your family to at least find out, so you know what you’re turning down. We offer free meetings for you and your family, where we can explain all there is to know about insurance and advise you on what you and your family need. We can put your mind at rest – giving you a free review of your current policies with absolutely no obligation and no pressure. Talk to our team. Tell us who you’d like to protect, and what matters most to you and your family.
T: 01904 235000
See what the parents of York say in the review on the website HERE
MAPIO Financial Limited is an Appointed Representative of Primis Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority. This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.
YOUR HOME MAY BE REPOSSESSED IF YOU DON’T KEEP UP THE REPAYMENTS ON YOUR MORTGAGE.
