Independence Matters

Many of our clients are single.

They are not married, nor do they have a permanent partner. Fortunately, the majority
of them enjoy an income which helps finance their lifestyle.

For those clients who are not of “independent means” this income is pre-eminently
important. It is a major asset.

Challenges they face in terms of the unplanned loss of this vital asset come in various
forms.

• If any of them were to suffer a critical illness meaning they were not able to
  work, how could they continue to finance their lifestyle?
• Where would the money come from to pay the mortgage or rent, finance the
  car, buy food and clothes, pay for heating, telephone bills etc?
• If they were unable to work for a long period due to an unplanned incapacity,
  what impact would this have on their lives?
• Would they have to sell their home, get rid of their car or perhaps move in
  with their parents or other family members?
• If they were unexpectedly made redundant, how would they cope financially?
• If they lost income because of a short term illness or accident how would they
  make up any shortfall?

Our team of advisers are here to guide individuals through the variety of products on
offer and to advise on the most appropriate solutions for them.

For insurance business we arrange policies exclusively from Legal & General.

Lifestyle Cover insurance typically costs £3.90 a month for every £100 of monthly
benefit. This is based on a 30-year-old customer choosing £700 of accident, sickness
and unemployment monthly benefit with claims paid after a 30-day deferred period,
back to day one of the claim. The cost of this insurance depends on a number of
factors, such as your age, where you live and your occupation. As a result, the cost
you will pay is based on your own circumstances.

There are other providers of Payment Protection Insurance and other products
designed to protect you against loss of income. For impartial information about
insurance, please visit the website at www.moneyadviceservice.org.uk.

If you would like to talk to one of our team advisers, please contact us on
02890662187.