HEALTH PROTECTION

Have you thought about what would happen if you fell ill and were unable to work for a prolonged period? What if you suffered a major illness like a heart attack – would you want to take things easier once recovered? Would you like the option of private care if in need of an operation and an in-patient stay? In retirement years would the chance of needing long-term care cloud your days?

All these health risks can be provided for.

Sickness insurance (sometimes called permanent health insurance) can be arranged to pay you a monthly income if unable to work by reason of illness or injury. The insurance benefit is payable tax-free too. Different kinds of policy exist and we can help you choose one to suit you best.

Critical illness insurance can be arranged to pay out a lump sum upon you being diagnosed as suffering from a major illness like stroke, cancer and heart disease. The benefit here too is tax-free on payout. Again policies differ – premiums can be guaranteed not to increase or can be reviewable. With some policies insurers can reduce the scope of cover. Again advice is vital to choose the one that best meets your needs.

Private medical insurance gives you the option of private healthcare. You pay the premiums and insurers meet the healthcare costs if in need of consultant care, operation and hospital treatment. The range of policies in this arena is truly enormous, so again advice is vital.

Finally, if approaching or at retirement, long term care cover is excellent for peace of mind protection for later autumn years, against the 1 in 4 risk of needing to receive care. Yet again the options are various. Here too our advisers can help you.

For advice on any of the above, complete the enquiry form or call us. Individual advice will then follow geared to your specific needs.