We have been there on the day,
Someone has died,
Someone was diagnosed with cancer,
A child had an illness and insurance gave medical help,
A life insurance policy paid into a trust stopping the wrong people/organisations getting funds.
We made these things happen.
We have also been called in too late.
“I thought we were covered”
“I thought there was more”
“Why did the State/Bank/ The Wrong person get this”
HERE IS HOW WE CAN HELP
Life cover can be put in place either as a lump sum (to clear a loan or mortgage) or as a monthly income to replace the family finances on death.
Consider all the money that comes into your home, we would suggest you cover about 75% of that.
This would allow the survivor the ability to continue on and not worry about the monthly bills. In many cases it gives room to work part time whilst children need take to and from school and after school activities. This is a proven way to really help a family.
We would suggest that the cover be put in TRUST and you nominate TWO other people in addition to yourself to manage the money just in case both parents were to die. It rarely happens but sadly we am aware of cases.
Critical illness cover
Being diagnosed with a serious illness such as Cancer, Heart Attack, Stroke or Multiple Sclerosis can be devastating. Thankfully critical illness cover has improved dramatically over recent years, making it easier than ever to receive financial help if you’re diagnosed with one of the many conditions that today’s policies cover.
Now many providers offer excellent children’s critical illness cover which can cover your kids from 24 weeks of pregnancy right up until they are 23 years old.
Behind cancer at 56% of all claims, children’s critical illness accounted for 12% of claims which placed it even above heart attacks at 9%*.
Income protection/ Sickness cover
It doesn’t matter if you are in the office, out running a 5K or even at home caring for your newborn baby. If you get sick or injured and are unable to work then Income Protection will provide a tax-free monthly benefit until you can return to work or reach the end of your benefit period which can stay in place up until you retire ,whichever comes first. Don’t leave things to chance, protect yourself with Income Protection.
By allowing us to take care of you or your family you will feel confident and comfortable knowing we have done our best to cover your back when you need us the most. We at KGByrne & Associates are doing our best to prove that death doesn’t need to be the end of you.
Protect what you can and don’t forget to laugh on your journey.
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