PROTECTING YOUR
FINANCIAL FUTURE
Taking care of life’s journey, no matter
what it throws at you
G U I D E T O
JULY 2023
02 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
Welcome to our ‘Guide to
Protecting Your Financial
Future’.
Life is a series of unpredictable moments,
and some events may threaten your long-
term !nancial stability. While we cannot
foresee the future, we can establish plans
to maximise our life experiences. However,
having a reliable !nancial safety net is
crucial when life throws curveballs.
"ough contemplating illness or death
is daunting, being !nancially prepared
for such circumstances is essential. In
unforeseen situations, having a plan ensures
that you or your dependents can handle
necessary expenses, manage debt and
maintain !nancial stability. "is is where
!nancial protection plays a vital role.
Many individuals associate !nancial
planning with mortgages, pensions or
growing their savings. Financial protection,
however, is o#en an overlooked aspect
that safeguards your wealth and provides
coverage for you and your family during
challenging times.
"is guide explores the numerous bene!ts
of !nancial protection, including stress
reduction for your loved ones, personal
peace of mind, debt coverage, assistance in
achieving long-term goals, !nancial security
and safeguarding what matters most to you.
Protection should be a fundamental
component of your !nancial planning,
regardless of your current life stage.
Whether purchasing a !rst home, starting a
family or preparing for retirement, having a
safety net is essential. l
HAVE YOU PROTECTED
YOURSELF, YOUR FAMILY
AND YOUR FUTURE?
Many families would face !nancial
di$culties if a family member
su%ered from a severe illness
or passed away. "at's why it's
crucial to have adequate !nancial
protection and insurance in
place. If you'd like to discuss your
situation or address any concerns,
please don't hesitate to contact us –
don't leave your !nancial security
to chance.
Taking care of life’s journey, no matter what it throws at you
G U I D E T O
P R O T E C T I N G YO U R
F I N A N C I A L F U T U R E
THIS GUIDE IS FOR YOUR GENERAL
INFORMATION AND USE ONLY AND IS NOT
INTENDED TO ADDRESS YOUR PARTICULAR
REQUIREMENTS. IT SHOULD NOT BE
RELIED UPON IN ITS ENTIRETY AND SHALL
NOT BE DEEMED TO BE, OR CONSTITUTE,
ADVICE. ALTHOUGH ENDEAVOURS HAVE
BEEN MADE TO PROVIDE ACCURATE
AND TIMELY INFORMATION, THERE
CAN BE NO GUARANTEE THAT SUCH
INFORMATION IS ACCURATE AS OF THE
DATE IT IS RECEIVED OR THAT IT WILL
CONTINUE TO BE ACCURATE IN THE
FUTURE. NO INDIVIDUAL OR COMPANY
SHOULD ACT UPON SUCH INFORMATION
WITHOUT RECEIVING APPROPRIATE
PROFESSIONAL ADVICE AFTER A
THOROUGH EXAMINATION OF THEIR
PARTICULAR SITUATION. WE CANNOT
ACCEPT RESPONSIBILITY FOR ANY LOSS
AS A RESULT OF ACTS OR OMISSIONS
TAKEN IN RESPECT OF ANY ARTICLES.
THRESHOLDS, PERCENTAGE RATES AND
TAX LEGISLATION MAY CHANGE IN
SUBSEQUENT FINANCE ACTS.
03 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
02 WELCOME PAGE
Taking care of life’s journey, no matter
what life throws at you
04 LIFE IS UNPREDICTABLE
Helping you stay on track to achieve
your financial objectives
05 LIFE INSURANCE
Preparing for the unexpected
07 DIFFERENT TYPES OF

LIFE INSURANCE

Protecting your financial downside
08 TERM LIFE INSURANCE
Protection that spans a

predetermined duration
10 WHOLE-OF-LIFE INSURANCE

Protect your wealth and provide for

your family when you die
12 CRITICAL ILLNESS COVER

Facing the unthinkable and preparing

for the unexpected
15 INCOME PROTECTION
INSURANCE
Having enough to pay for what you
need now and in the future
17 PRIVATE MEDICAL

INSURANCE
Keeping your health on track
19 LONG-TERM CARE
Planning to secure a comfortable and
dignified future
22 WRITING A WILL
Opportunity to express your


preferences and ensure your wishes

are respected
24 LASTING POWER
OF ATTORNEY

Part of a comprehensive plan

for the future
CONTENTS
17
08
05
12
15
22
Discussing the unforeseen
is always a challenging
conversation. We can't predict
what's just around the corner.
"e !nancial consequences can
be overwhelming when life presents
unexpected or unfavourable events.
INNATE HUMAN INSTINCT
Although you cannot shield yourself from
the emotional toll of such losses, you can
take steps to protect your !nances and
those you care about from further damage.
Caring for our loved ones is an
innate human instinct, but the future's
unpredictability can impact our
!nancial abilities.
UNFORESEEN CIRCUMSTANCES
How would your family manage
!nancially if you were no longer there?
What if you become unable to work?
Would you become a burden on your
children if you require long-term care?
Imagining a future where you can't
support your family is complex, as we
cannot foresee what life has in store.
Although contemplating death and
illness is unpleasant, we cannot ignore their
inevitability. Life is uncertain; even the
most prudent savers may !nd their plans
disrupted by unforeseen circumstances.
FINANCIAL PROTECTION
SAFEGUARDS
If you were to pass away, could your family
maintain mortgage payments and continue
enjoying their accustomed lifestyle? If
illness rendered you unable to work, how
long could you cover expenses without
depleting your hard-earned savings?
Investing in !nancial protection
safeguards your family's economic well-
being during trying and distressing times. It
also serves as a shield, helping you stay on
track to achieve your !nancial objectives.
CONDUCTING REGULAR
ASSESSMENTS
A#er establishing the right level of !nancial
protection, it's essential to consistently
evaluate your protection to con!rm that it
o%ers ample cover for your needs.
By conducting regular assessments,
you can determine if any gaps have
emerged due to changes in your
circumstances, potentially leaving you
insu$ciently protected. l
04 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
L I F E I S U N P R E D I C T A B L E
Helping you stay on track to achieve your !nancial objectives
05 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
L I F E I N S U R A N C E
Preparing for the unexpected
Life planning is not just about
accumulating wealth; it also involves
safeguarding the wellbeing of your
loved ones. While contemplating the worst-
case scenarios can be di$cult, preparing for
the future is crucial to ensure your family is
protected in the event of your passing.
Selecting the right life insurance policy
requires determining the necessary coverage
to minimise the !nancial burden on your
family. "is amount should consider their
living expenses and any outstanding debts,
such as a mortgage.
Not everyone may need life insurance
(called 'life cover' and 'death cover').
However, if your family or other dependents
rely on your income to cover living expenses
or mortgage payments, then having life
insurance is essential.
Life insurance provides a !nancial safety
net for your loved ones in case of your
untimely death. Whether providing security
for your family, purchasing a home or
simply enhancing your existing coverage,
choosing the appropriate type of insurance
is vital.
"at’s why obtaining the right
professional advice and knowing which
products to choose – including the most
suitable sum assured, premium, terms and
payment provisions – is essential.
FINANCIAL PROTECTION FOR
YOUR FAMILY
We insure our cars, homes and even our
mobile phones – so we should also be
insured for our total replacement value to
ensure that our loved ones are !nancially
catered for in case of our premature death.
Life insurance helps protect your family
!nancially. It can pay out a cash sum
if you die while covered by the policy.
You determine the amount of life cover
required and the duration of the coverage,
with the option to pay premiums monthly
or annually.
Life insurance provides a safety net for
your family during challenging times,
o%ering reassurance that they will be
!nancially protected if the worst happens.
As life is unpredictable, obtaining the
right life insurance policy is essential.
Start by asking yourself three questions:
What do I need to protect? How much
coverage do I require? How long will I
need the coverage? Consider your family's
living costs and outstanding liabilities,
such as a mortgage.
SECURING YOUR FAMILY'S
FINANCIAL FUTURE
"e right level of life insurance allows your
dependents to manage !nancially in case of
your premature death. When you take out
life insurance, you set the amount you want
the policy to pay out upon your death –
this is known as the 'sum assured’.
Assessing your life insurance regularly is
crucial as circumstances change over time.
Failing to update your policy in response
to signi!cant life events may result in
inadequate coverage.
VARIOUS STAGES IN LIFE
As you progress through various stages in
life, your need for protection will inevitably
change. "e amount of life insurance you
require depends on factors such as your
mortgage status, relationship status and
whether or not you have children. It's
essential to consider your circumstances
before comparing life insurance policies.
WHAT DO I NEED TO PROTECT?
n Who are your !nancial dependents:

spouse, registered civil partner, children,

siblings or parents?
n What kind of !nancial support does

your family currently have?
n What type of !nancial support will your

family need in the future?
n What costs must be covered: household

bills, living expenses, mortgage

payments, education costs, debts or

loans, or funeral costs?
"ere is no universal solution, and the
amount and duration of coverage will vary
for each individual.
Events that may a!ect your life
insurance needs:
n Buying your !rst home with a partner
n Covering loans
n Getting married or entering into a


registered civil partnership
n Starting a family
n Becoming a stay-at-home parent
n Having more children
n Moving to a larger property
n Salary increases
n Changing your job
n Reaching retirement
n Relying on someone else for support
n Personal guarantee for business loans
FACTORS AFFECTING LIFE
INSURANCE COSTS
"e cost of a life insurance policy depends
on several factors, including the coverage
06 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
amount and policy length, as well as your
age, health, lifestyle and smoking habits.
REPLACING INCOME
AND PROVIDING
FOR DEPENDENTS
If you have dependents, you should have
enough protection to pay o% your mortgage
and other liabilities. A#er that, consider
life insurance to replace a portion of your
income. "e amount needed will vary, so
it's up to you to decide how much money
would allow your family to maintain their
current standard of living.
TWO BASIC LIFE
INSURANCE TYPES
Term life insurance – the cheapest and
simplest form with no investment element,
paying a lump sum if you die within a
speci!ed period.
Whole-of-life insurance – provides
coverage throughout your life and pays your
dependents a lump sum (usually tax-free)
upon death.
DEBT RELIEF AND
FINANCIAL SUPPORT
"e life insurance you need should ideally
provide a lump sum to relieve any debts
and leave enough for investment to support
your dependents. If you want to cover your
mortgage, choose an amount equal to the
outstanding debt.
Additional variables to consider:
n Family expenses and how they would

change if you died
n Increase in family expenditure on


necessities like childcare if you were to die
n Drop in family income if you were

to die.
n Coverage received from your

employer or company pension scheme

and its duration
n Existing policies and their adequacy in

meeting your needs
n How long your existing savings

would last
n State bene!ts that could provide extra

support for your family
n "e impact of in&ation on your coverage

over time
Life insurance o%ers peace of mind and
is a crucial component of a comprehensive
!nancial plan. l
07 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
D I F F E R E N T T Y P E S O F
L I F E I N S U R A N C E
Protecting your !nancial downside
Life insurance is about securing
peace of mind for you and
your loved ones, knowing that
!nancial protection is in place should
the unexpected occur. In the event of a
valid claim, a tax-free lump sum will be
provided to o%er the necessary !nancial
assistance and breathing room during
challenging times.
WITH VARIOUS LIFE
INSURANCE OPTIONS
AVAILABLE, HOW DO YOU
DETERMINE THE RIGHT
POLICY FOR YOUR NEEDS?
'Single life' policies cater to one
individual, while a 'joint life' policy covers
two people. Upon the death of one person
within the joint policy, a payout is made,
and the policy terminates. Deciding
whether the joint policy pays out upon the
!rst or second death is essential, a%ecting
the policy's duration.
When comparing these options,
consider the following factors:
A!ordability – Joint life policies are
more cost-e%ective than purchasing two
separate single policies.
Cover Requirements – Do both individuals
have identical life insurance needs, or would
it be more suitable to have separate policies
with varying coverage levels?
Work Bene"ts – If one person has a 'death
in service' bene!t from their employer, it
may only be necessary to have one policy.
Health – If the joint policy includes
someone with poor health, this could
result in higher monthly payments.
By carefully assessing these factors, you
can decide which life insurance policy
best suits your unique situation, ultimately
providing security and peace of mind for
you and your loved ones. l
'SINGLE LIFE' POLICIES
CATER TO ONE INDIVIDUAL,
WHILE A 'JOINT LIFE'
POLICY COVERS TWO
PEOPLE. UPON THE DEATH
OF ONE PERSON WITHIN
THE JOINT POLICY, A
PAYOUT IS MADE, AND THE
POLICY TERMINATES.
08 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
T E R M L I F E
I N S U R A N C E
Protection that spans a predetermined duration
09 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
Term life insurance is a form
of life protection that spans a
predetermined duration (referred
to as a 'term') – the payment is made in
one lump sum. "is coverage is valuable
for safeguarding the !nancial wellbeing of
dependents.
When selecting a term life insurance
policy, you determine the desired coverage
amount and the term length. "is is the
most fundamental kind of life insurance.
If you pass away within the term, your
bene!ciaries receive the policy payout.
If you outlive the term, the policy does
not pay out, and the premiums you've
contributed are not refunded.
Every family's situation varies. It's crucial
to consider how yours would be impacted
if you were no longer present, despite the
di$culty of such thoughts.
"ere are two primary types of term life
insurance to evaluate – 'level-term' and
'decreasing-term' life insurance.
LEVEL-TERM LIFE
INSURANCE POLICIES
A level-term life insurance policy
provides a lump sum payment if you die
within the designated term. "e coverage
amount remains constant throughout
the term, hence the name. "e monthly
or annual premiums typically remain
unchanged as well.
Level-term policies can be an excellent
choice for family protection, allowing you
to leave a lump sum for your loved ones to
invest in their future a#er your passing. It
can also be suitable for covering a speci!c
amount of debt for a set period, such as an
interest-only mortgage not covered by an
endowment policy.
DECREASING-TERM LIFE
INSURANCE POLICIES
In a decreasing-term policy, the coverage
amount diminishes over the policy's term.
"ese policies are frequently used to
cover debts that decrease over time, like a
repayment mortgage.
Premiums are generally more a%ordable
than level-term coverage since the insured
amount reduces over time. Decreasing-
term assurance policies can also be applied
for Inheritance Tax planning purposes.
FAMILY INCOME
BENEFIT POLICIES
Family income bene!t life assurance
is a variant of decreasing term policy.
Rather than providing a lump sum if you
pass away, it o%ers your bene!ciaries a
consistent income until the policy expires.
You can arrange for an amount equal to
your net income to be disbursed to your
family in the event of your death.
INCREASING-TERM
INSURANCE POLICIES
"e premiums and coverage will rise during
the policy's term. "is can be used to keep
pace with in&ation or cover a growing debt.
You might choose increasing-term
insurance to safeguard your policy's value
against in&ation (the escalating cost of
living) – whether for debt repayment or a
signi!cant purchase. l
WHEN SELECTING A
TERM LIFE INSURANCE
POLICY, YOU DETERMINE
THE DESIRED COVERAGE
AMOUNT AND THE TERM
LENGTH. THIS IS THE MOST
FUNDAMENTAL KIND OF
LIFE INSURANCE.
10 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
W H O L E - O F - L I F E
I N S U R A N C E
Protect your wealth and provide for your
family when you die
11 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
Whole-of-life insurance is a
policy designed to cover your
entire life, ensuring a speci!ed
payout upon your death, no matter when
it occurs. Some insurers also o%er the
option to include critical illness coverage
as part of an integrated policy when
purchasing life insurance.
"is type of insurance is ideal for those
looking to leave a legacy for their family,
provide Inheritance Tax provisions or
protect their business a#er they're gone.
Due to the guaranteed nature of the
eventual payout, whole-of-life policies
are more expensive than term insurance
policies, which only provide coverage for a
speci!c time frame.
INHERITANCE TAX
SOLUTIONS WITH
WHOLE-OF-LIFE INSURANCE
A whole-of-life policy can serve as a
valuable tool for addressing potential
Inheritance Tax liabilities. Establishing a
policy to cover anticipated taxes ensures
that a more signi!cant portion of your
estate is passed on to your bene!ciaries.
To maximise this bene!t, it's crucial to
have your policy written in an appropriate
trust. "is complex aspect of estate planning
requires professional !nancial guidance.
By placing the policy proceeds outside
of your estate and paying premiums
throughout your lifetime, a whole-of-life
policy could help reduce your estate's
overall value and minimise future
Inheritance Tax obligations.
POLICY OPTIONS FOR
YOUR UNIQUE NEEDS
Various types of whole-of-life insurance
policies are available, each o%ering
distinct features and bene!ts. Set payout
policies guarantee a predetermined
amount upon death. Investment-linked
policies base payouts on investment
performance through unit-linked
funds or with-pro!t policies that o%er
bonuses. Some policies require premium
payments until death, while others
become paid up at a speci!ed age and
waive future premiums.
Many whole-of-life policies include an
investment component and a surrender
value, although surrendering the policy
results in a loss of coverage. Premium
reviews typically occur a#er the !rst
ten years and every !ve years a#er
that. Policies without an investment
component and with guaranteed or
investment-linked premiums are also
available from select providers.
NAVIGATING REVIEWS AND
COVERAGE OPTIONS
Protection levels are generally guaranteed
for the !rst ten years, a#er which a review
determines the future of your coverage.
If the review concludes that your current
protection level can be maintained, it will
be guaranteed until the next review date.
However, if the review reveals that the
same level of protection cannot continue,
you'll have two choices:
n Increase your premium payments.
n Keep your payments the same and

reduce your level of protection.
Whole-of-life policies o%er di%erent
types of cover, such as maximum cover,
which provides a high initial coverage
level at a lower premium, or standard
cover, which balances life insurance with
su$cient investment to support the policy
in later years.
Ultimately, the type of whole-of-life
insurance policy you choose should align
with your unique !nancial goals and
circumstances, providing peace of mind and
protection for the entirety of your life. l
WHOLE-OF-LIFE
INSURANCE IS A POLICY
DESIGNED TO COVER YOUR
ENTIRE LIFE, ENSURING A
SPECIFIED PAYOUT UPON
YOUR DEATH, NO MATTER
WHEN IT OCCURS.
12 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
C R I T I C A L
I L L N E S S C O V E R
Facing the unthinkable and preparing for the unexpected
13 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
Critical illness cover o%ers a
!nancial safety net when you and
your family need it most. Adding
this option to your life insurance policy
can alleviate the monetary burden that may
arise if you become critically ill.
"ough we o#en believe that critical
illnesses won't a%ect us, the truth is that
anyone can fall victim to such conditions
at any age. Investing in critical illness
cover could minimise the !nancial strain
on yourself and your loved ones during
di$cult times.
A HELPING HAND IN RECOVERY
In the event of a speci!ed critical illness
diagnosis, you may need to take time o%
work to recover or even be unable to return
to work altogether. You might require home
adaptations or specialised care, which can
be costly. Critical illness cover ensures you
can focus on healing without worrying
about mounting expenses like mortgage
payments, daily bills or groceries.
SAFEGUARDING YOUR
FAMILY'S FUTURE
It's disheartening to imagine surviving a
severe illness only to be overwhelmed by
!nancial stress. While preparing for the
worst is never enjoyable, having a critical
illness cover provides peace of mind,
knowing you're ready for whatever life
throws your way.
RECEIVING A TAX-FREE
FINANCIAL BOOST
Critical illness cover is designed to provide
a tax-free lump sum upon the diagnosis
of speci!c life-threatening or debilitating
conditions. "ese may include heart
attacks, strokes, certain types of cancer,
multiple sclerosis and more.
EXPANDING YOUR
PROTECTION WITH A
COMPREHENSIVE POLICY
For broader coverage, consider opting for a
comprehensive critical illness policy. "ese
policies can include protection against loss
of sight, permanent hearing loss, total and
permanent disability preventing you from
working, and even limb loss.
Not all conditions are covered, so
obtaining professional !nancial advice is
crucial to choosing the right policy for
your needs.
By incorporating critical illness coverage
into your !nancial planning, you can
safeguard your wellbeing and provide
much-needed security for yourself
and your loved ones during life's most
challenging moments.
MUCH-NEEDED
FINANCIAL SUPPORT
For singles without dependents, critical
illness coverage can be a !nancial lifeline
to pay o% mortgages or provide a lump
sum in case of severe illness. Couples can
also bene!t from !nancial relief during
emotionally challenging times.
COVERAGE SPECIFICS
AND CONSTRAINTS
Each policy outlines the covered
illnesses alongside any exclusions
and limitations that may vary among
insurers. Since critical illness policies
typically pay out only once, they should
be considered something other than
income replacements. Some insurers o%er
combined life and critical illness policies
that pay out upon diagnosis of a critical
illness or death, whichever comes !rst.
CONSIDERING PRE-EXISTING
CONDITIONS
When replacing an existing critical illness
policy, be cautious about losing bene!ts
if you have developed new illnesses since
obtaining the initial policy. It's crucial to
consult a professional !nancial advisor
before replacing or switching policies,
as pre-existing conditions might not be
covered in a new policy.
ADAPTING TO LIFE EVENTS
Speci!c policies permit increasing coverage,
especially a#er signi!cant life events like
marriage, relocating or having children.
If your current policy doesn't allow for
increased cover, consider acquiring a new
policy to supplement your existing one.
MEETING DEFINED CRITERIA
Policies provide coverage exclusively
for conditions explicitly de!ned in the
policy document. To qualify for coverage,
your condition must precisely match the
policy de!nition. "is stipulation may
exclude some conditions, such as speci!c
cancer types deemed not severe enough.
Additionally, some conditions might not
be covered if diagnosed past a certain age
– for example, many policies do not cover
Alzheimer's disease if diagnosed a#er age 60.
RETHINKING THE
SURVIVAL PERIOD
Typically, critical illness policies do not
immediately pay out upon diagnosis of a
covered condition. Instead, most policies
14 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
include a 'survival period’, meaning the
insured must survive for a speci!ed duration
a#er diagnosis before the policy pays out.
If the individual passes away within this
timeframe, no payout will be provided
despite meeting the critical illness de!nition.
FACTORS
INFLUENCING PREMIUMS
Various factors in&uence the cost of critical
illness coverage, such as the type of policy
selected, the individual's age, desired
payout amount and smoking habits.
INCLUSION OF PERMANENT
TOTAL DISABILITY
Most policies incorporate permanent total
disability coverage. Insurers may de!ne
'permanent total disability' as an inability to
work in one's usual capacity due to illness
or as the inability to independently perform
at least three 'Activities of Daily Living' due
to sickness or injury.
Activities of daily living encompass:
n Bathing
n Dressing and undressing
n Eating
n Moving between bed and chair
ENSURE COMPREHENSIVE
PROTECTION
Advancements in medicine have led to
increased survival rates for conditions
that previously had higher mortality rates.
Critical illness coverage can o%er !nancial
support to pursue a less demanding lifestyle
during recovery or be used for other
purposes. Don't leave your wellbeing to
chance – ensure adequate coverage. l
IN THE EVENT OF A
SPECIFIED CRITICAL
ILLNESS DIAGNOSIS, YOU
MAY NEED TO TAKE TIME
OFF WORK TO RECOVER
OR EVEN BE UNABLE
TO RETURN TO WORK
ALTOGETHER.
15 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
I N C O M E P R O T E C T I O N
I N S U R A N C E
Having enough to pay for what you need now and in the future
When the unexpected strikes, our
world can be turned upside
down instantly. It's never
pleasant to contemplate misfortune, but
what if a serious illness leaves you unable to
work? How would you cope !nancially?
Would your savings or workplace sick
pay be enough to keep you a&oat? If not,
it may be time to explore other options
for covering your expenses – like income
protection insurance.
While we all hope that such
circumstances never befall us, it's crucial
to recognise that no one is exempt from
the possibility of illness or accidents. We
cannot guarantee that we won't fall victim
to a sudden mishap or receive a life-
changing diagnosis.
In these situations, mortgage and rent
payments and bills don't stop, so choosing
to forego income protection insurance
could be risky.
LIFELINE DURING
CHALLENGING TIMES
Income protection insurance is a long-
term safety net, o%ering monthly payments
if illness or injury prevent you from
working. "is coverage typically continues
until you can return to work, retire, pass
away or reach the end of the policy term –
whichever comes !rst.
To align with your unique !nancial
needs, you can choose when payments
begin – typically a#er sick pay ends or
other insurance coverage ceases. Opting
for a more extended waiting period can
result in lower monthly premiums.
COMPREHENSIVE COVERAGE
FOR PEACE OF MIND
"is type of insurance covers a wide range
of illnesses and disabilities, both short
and long-term, ensuring you're protected
regardless of the nature of your incapacity.
As long as your policy is active, you
can make multiple claims, ensuring
continuous !nancial support throughout
your recovery journey.
WORKPLACE
SICKNESS BENEFITS
Some employees enjoy generous workplace
sickness bene!ts until their intended
retirement date. However, others might
need to rely on state support, which could
prove challenging.
TAX-FREE INCOME TO ALLEVIATE
THE FINANCIAL STRAIN
Losing your regular income, even
temporarily, can lead to !nancial struggles
and dipping into savings. Income protection
insurance provides a tax-free monthly
income up to retirement age if you cannot
work due to long-term sickness or injury.
Income protection insurance aims to
restore your !nancial situation to its pre-
illness state without allowing for undue
pro!t. "e maximum coverage amount is
typically based on your a#er-tax earnings
minus applicable state bene!ts.
SPECIAL CONSIDERATIONS
FOR SELF-EMPLOYED
INDIVIDUALS
For self-employed individuals, no work
o#en means no income. Income protection
insurance can be customised to account
for &uctuating income, with some policies
averaging earnings over the past three
years. "is ensures that self-employed
individuals receive appropriate support
during their recovery.
COST OF COVER
Premiums for cover are based on various
factors, including gender, occupation, age,
health status and smoking habits. Insurers
employ the 'occupation class' to determine
policyholders’ ability to resume work.
If a policy only o%ers payouts for those
unable to work in 'any occupation’, the
bene!ts might be short-lived or non-existent.
More comprehensive options include 'Own
Occupation' or 'Suited Occupation’.
"e latter allows claims if you can't
perform your speci!c job, while the former
requires being unable to perform any job
without considering equivalent earnings
from your previous position.
Additionally, you can select between level
cover or in#ation-linked cover:
n Level cover: "is option provides


a !xed monthly income, determined

at the beginning of your plan, without

future adjustments. It's essential to

note that rising in&ation could reduce
16 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE

the purchasing power of your monthly

income payments over time.
n In#ation-linked cover: With this


choice, the monthly income increases

according to the Retail Prices Index

(RPI) if a claim is made.
When obtaining cover, you typically have
two options:
n Guaranteed premiums: "ese


premiums remain constant throughout

your plan's term. If you opt for


in&ation-linked cover, your premiums

and coverage will automatically


increase yearly based on RPI.
n Reviewable premiums: "is alternative

means your premiums may &uctuate

over time. Generally, premiums won't

change during the !rst !ve years of

your plan but may a#erwards. If your

premiums increase or decrease, they'll

remain stable for 12 months.
MAKING A CLAIM
How long you must wait a#er making a
claim will depend on the waiting period.
Rethinking the Claim Process Opting for
a longer waiting period results in lower
premiums, but it also means you'll have to
wait longer a#er becoming unable to work
before receiving policy payments.
Remember that premiums must be paid
throughout the entire term of the plan,
including the waiting period. Your speci!c
circumstances may cause plan payments
to impact any state bene!ts you receive.
"is outcome depends on your situation
and the state bene!ts you claim or intend
to claim.
PEACE OF MIND AND
FINANCIAL STABILITY
"e market is continually evolving, with
innovative new products being introduced
regularly. You should obtain professional
!nancial advice if you need more
clari!cation about how your state bene!ts
might be a%ected.
Income protection insurance o%ers
a reliable and customisable solution to
maintaining !nancial wellbeing during
recovery from illness or injury. Whether
employed or self-employed, this insurance
provides peace of mind and !nancial
stability when needed. l
17 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
P R I V A T E M E D I C A L
I N S U R A N C E
Keeping your health on track
When life presents you with
unforeseen challenges,
obtaining a swi# diagnosis and
treatment, along with genuine assistance,
support and empathy, becomes crucial.
Your health and the wellbeing of your
family are your top priorities.
If you or your loved ones encounter
concerning symptoms, private medical
insurance can provide peace of mind and
control during trying times.
Private medical or health insurance
grants access to private healthcare
for conditions that emerge a#er your
policy commences. One of the primary
advantages of private medical insurance is
the expedited access to medical care.
Even if you can access complimentary
NHS services, private medical insurance
lets you take charge of when, how and
where you receive treatment. "is
translates to quicker access to
diagnoses, treatments and a#ercare, and
the luxury of a private en-suite room. In
essence, it's the care you require without
the waiting period.
FOCUS ON A
SPEEDIER RECOVERY
With almost immediate diagnosis
and treatment, you can alleviate the
stress of uncertainty and concentrate
on recuperating faster. As more health
professionals anticipate declining patient
care and longer waiting times, more
individuals opt for private healthcare for
additional peace of mind.
If private medical insurance is not part
of your employee bene!ts package and you
can a%ord the premiums, it's worth the
extra investment for increased control over
your care.
FLEXIBILITY IN CARE QUALITY
While most UK residents are entitled
to free healthcare from the NHS, many
choose private health insurance to bypass
extended NHS waiting periods. Health
insurance covers all or a portion of your
medical expenses if you opt for private
treatment, o%ering &exibility in the
quality of care you receive and its timing
and delivery.
Although private medical insurance
is not obligatory, you may struggle to
a%ord private treatment without coverage,
particularly for severe conditions.
Private medical insurance may also
grant access to the latest medications
and treatments approved by the National
Institute for Health and Care Excellence
(NICE), which are not routinely available
through the NHS (outpatient medications
are excluded).
18 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
WHAT DOES IT COVER?
Private medical insurance o%ers a
variety of coverage options, depending on
the policy you choose. At its core, basic
private medical insurance typically covers
in-patient treatments, such as
tests and surgeries, as well as day-care
surgery procedures.
Some policies may also cover outpatient
treatments, including consultations with
specialists. Additionally, policies might
cover mental health, depression and sports
injuries, although these are not always
standard inclusions.
Common coverage features include:
n Hospital admission expenses
n Diagnostic tests, like MRI and CT scans
n Surgical procedures
n Consultation fees for specialists
n Accommodation and nursing care

during hospital stays
n Access to cancer drugs, including those

not available through the NHS
Additional coverage options
might encompass:
n Outpatient consultations
n Mental health treatment alternatives
n Complementary therapies
n Physiotherapy and chiropody services
$ere are two primary types of private
medical insurance policies:
n Indemnity policies: "ese policies

cover short-term private medical


treatment costs for acute illnesses or

injuries. Bene!ts may include a private

hospital room, fees for surgeons and

specialists, outpatient treatments like

physiotherapy, and daycare procedures

like surgical and diagnostic procedures.
n Cash plan policies: "ese policies

o%er a lump-sum bene!t payment

under speci!c circumstances. In


exchange for a monthly premium,

consumers may receive coverage for

up to 100% of treatment costs,

including inpatient stays at NHS

hospitals or dental and optical


treatments not covered by

indemnity policies.
Indemnity and cash plan policies
can o!er various supplementary
bene"ts, such as:
n Inclusion of spouse and/or children

in the coverage
n Personalised phone support for

individuals with cancer or

heart conditions
n Health assessments and assistance

hotlines for patients
n Access to alternative therapies and

mental health treatments
n Dental and vision care coverage
n At-home treatment options

for intravenous therapies

like chemotherapy
An alternative option is a six-week plan,
which provides !nancial coverage for private
medical treatments when the anticipated
NHS waiting time exceeds six weeks.
International Private Medical Insurance
(IPMI) o%ers coverage for expatriates
seeking medical treatment while
living abroad.
Key advantages of private medical
insurance include:
n Reduced waiting periods compared to

NHS treatment
n Enhanced medical facilities
n Expedited diagnostic procedures
n A variety of private facility options
n Flexibility in scheduling appointments

and treatments
While the NHS delivers exceptional care,
inevitable wait times may occur for all
but the most urgent medical emergencies.
Many individuals opt for private medical
insurance policies in order to bypass these
potential delays in the future. l
19 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
L O N G - T E R M C A R E
Planning to secure a comfortable and digni!ed future
As you plan for your later years,
it's crucial to consider how you
want your !nances managed and
how essential expenses will be covered in
case of illness or death. Addressing these
matters now ensures that you or your
family are prepared for future costs and
can alleviate undue pressure.
Planning for long-term care is critical
to securing a comfortable and digni!ed
future. By understanding the available care
options and devising a !nancial strategy,
you'll be well-prepared to navigate this
essential facet of life.
Oscar Wilde once remarked, ‘"e
tragedy of old age is not that one is old,
but that one is young.’ While increased
life expectancy is a testament to our
advancements in healthcare and overall
quality of life, it raises concerns about
how we'll !nance our long-term care as we
grow older. Who will take care of us if we
require assistance in our later years?
EMERGENCY SUPPORT
To determine the appropriate level of
care, it's essential to consider factors such
as the individual's physical, emotional
and cognitive health, as well as their
preferences and lifestyle. It's important
to consider that care requirements can
signi!cantly vary and evolve over time.
To maintain autonomy, options like
sheltered housing or assisted living could
be an initial choice. "ese alternatives
typically o%er limited assistance from a
supervisor and provide emergency support
when needed.
LIVING INDEPENDENTLY
For those whose primary need is domestic
aid, in-home care can be arranged to
help with daily tasks such as dressing or
bathing. As needs progress, a care facility
might become more suitable. Care facilities
can provide residential, nursing or a
combination of both.
Occasionally, short-term care is necessary,
known as transitional or reablement care.
"is type of care aims to reestablish the
individual's ability to live independently.
MAKE INFORMED DECISIONS
In cases where an individual has a terminal
diagnosis, palliative or end-of-life care
becomes essential. "ese services provide
comfort, manage symptoms and address
emotional, spiritual and psychosocial
needs during the !nal stages of life.
By understanding the various options
available and acknowledging that care
needs can change, individuals and their
families can make informed decisions
and adapt to evolving circumstances. "is
approach ensures that everyone receives
appropriate care and support throughout
their life journey.
SPECIALISED
MEDICAL CARE
Long-term care encompasses various
forms of support tailored to individual
needs. "is includes everything from
assistance with daily activities, such as
bathing, dressing and meal preparation,
to more specialised medical care provided
by skilled professionals. Identifying the
most suitable care option is the !rst step in
ensuring a comfortable and secure future.
As we live longer, many of us will
need help with daily activities, whether
in our homes, assisted living facilities
or skilled nursing homes. Long-term
care encompasses various needs and
settings, including independent living at
home, adult day programmes and other
community resources.
PLANNING FOR LONG-TERM CARE IS
CRITICAL TO SECURING A COMFORTABLE
AND DIGNIFIED FUTURE. BY UNDERSTANDING
THE AVAILABLE CARE OPTIONS AND
DEVISING A FINANCIAL STRATEGY, YOU'LL
BE WELL-PREPARED TO NAVIGATE THIS
ESSENTIAL FACET OF LIFE.
20 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
FINANCIAL SUPPORT FOR
LONG-TERM CARE
Long-term care can occur in your own
home or a residential facility, but regardless
of the setting, !nancing care in old age is
becoming an increasingly pressing issue.
Government state bene!ts may o%er
some assistance, but they only cover part
of the cost of long-term care. "e level of
state support can vary depending on your
location, such as England, Wales, Scotland
or Northern Ireland.
LONG-TERM CARE
PLAN OPTIONS
Immediate Needs Annuities: "ese plans
pay a guaranteed income for life to help
cover care fees in exchange for a one-time
lump sum payment if you already have
care needs.
Pre-funded Care Plans: "ese plans
allowed you to insure your future care
needs before they arose (but are no longer
available for purchase).
ALTERNATIVE
FINANCIAL SOLUTIONS
Enhanced Annuities: If you have a health
problem, long-term illness, are overweight
or smoke, you can use your pension to
purchase an enhanced annuity (also known
as an impaired life annuity). Providers use
full medical underwriting to determine a
more accurate individual price. People with
speci!c medical conditions or those who
have had major organ transplants may be
eligible for enhanced annuities.
Equity Release Plans: "ese plans
enable you to receive a cash lump sum as a
loan secured against your home, which can
be used to fund a care plan now or in the
near future.
Savings and Investments: Another
viable option is planning and ensuring
your savings and assets are prepared for
your care needs.
If you're already retired or nearing
retirement, seeking professional !nancial
advice is crucial to ensure your a%airs are
in order. "is includes arranging your Will
or Power of Attorney and ensuring your
savings, investments and other assets are in
place should you or your spouse or registered
civil partner require long-term care.
When looking at future care needs,
consider the following:
n Identify family members in the greatest

need of long-term care and estimate

its duration.
n Assess the urgency of devising a

care plan.
n Decide if you're planning for yourself

or someone else.
n Analyse your !nancial capacity to cover

long-term care costs.
n Estimate the time frame for !nancing

a care plan.
n Weigh the options between home care

and nursing homes.
n List speci!c assistance requirements,

such as dressing, toileting, feeding

or mobility.
n Evaluate your home's need for


modi!cations like stair li#s,

accessible baths or in-home help.
DECISIONS AMID
EMOTIONAL TURBULENCE
"e rise in life expectancy strains the
quality of care public services provide.
Many individuals overlook long-term
care, leaving their families to make costly,
emotionally-charged decisions.
Yet, needing long-term care doesn't
necessarily reduce one's life expectancy.
"e required care could span 15 years or
more, leading to signi!cant expenses.
DEVISING A STRATEGY
Whether you or a loved one need
such assistance now or you're simply
looking ahead to prepare for the
future, understanding the right type of
care and devising a strategy to !nance it
are crucial. l
AS WE LIVE LONGER, MANY OF US WILL NEED
HELP WITH DAILY ACTIVITIES, WHETHER IN
OUR HOMES, ASSISTED LIVING FACILITIES OR
SKILLED NURSING HOMES.
21 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
22 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
For residents of England or
Wales who pass away without
creating a legally valid Will, the
government takes responsibility for
determining the allocation of assets.
The Crown will claim your
property and possessions if you
have no surviving family members. In
cases where you leave behind children
under 18 years of age, decisions about
their care, financial management,
education and living situations will be
made by others.
By drafting a Will, you have
the opportunity to express your
preferences, ensuring that your wishes
are respected and your assets and
possessions (referred to as your 'estate')
are distributed according to your wishes
after you pass away.
By designating your chosen
beneficiaries, such as family members
or charities, you can provide for those
who matter most to you.
Your estate comprises personal
belongings, as well as assets like:
n Your home and any other property

you own
n Savings in the bank and building


society accounts
n National Savings, such as

Premium Bonds
n Insurance, such as life assurance or an

endowment policy
n Pension funds that include a lump sum

payment on death
n Investments such as stocks and shares

or investment trusts
n Motor vehicles
n Jewellery, antiques and other

personal belongings
n Furniture and other household contents
Debts may include:
n A mortgage
n A credit card balance
n A bank overdra#
n Personal loans
n Equity release
COMPLICATING MATTERS FOR
YOUR FAMILY
Dying without a valid Will can complicate
matters for your family, as your estate will
be divided following intestacy rules. "ese
regulations allow only married partners,
registered civil partners and speci!c, close
relatives to inherit your estate.
Unmarried or unregistered partners
living together have no right to inherit
under these circumstances.
Creating a Will is essential if you:
n Own property or a business
n Have children
n Possess savings, investments or
insurance policies
PROPERTY AND POSSESSIONS
TRANSFERRED TO THE CROWN
Without a valid Will in England or Wales,
the law determines the distribution of your
W R I T I N G A W I L L
Opportunity to express your preferences and
ensure your wishes are respected
23 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
assets. Your property and possessions will
be transferred to the Crown if no living
family members exist.
By dra#ing a Will, you can minimise
Inheritance Tax payments and ensure that
your loved ones, friends and favoured
charities receive their intended portions.
"is legal document is a vital component
of !nancial planning and provides clear
instructions for asset distribution.
SAME-SEX PARTNERS NOT
MARRIED OR REGISTERED IN A
CIVIL PARTNERSHIP
Creating a Will is particularly important
for same-sex partners not married or
registered in a civil partnership. "e law
doesn't automatically grant cohabitants
the same rights as married couples or
registered civil partners. Consequently,
long-term cohabitants may receive nothing
without a Will in place.
A Will is also crucial for those with
children or dependents who cannot care
for themselves. It eliminates uncertainty
regarding their care and provision in the
event of your death, ensuring they are
looked a#er according to your wishes.
DISTRIBUTION OF YOUR
PROPERTY AND POSSESSIONS
A Will outlines the distribution of your
property and possessions (your estate) a#er
your death.
$ere are numerous reasons to dra%
a Will:
n Decide how your assets are allocated;

without a Will, the law determines

the distribution.
n Ensure provision for

unmarried partners, including

same-sex relationships.
n Specify whether to leave anything to a

former partner if divorced.
n Minimise potential Inheritance

Tax payments.
n Address potential claims on your estate

by !nancial dependents.
n Include a trust in your Will for various

purposes (e.g. providing for minors or

disabled individuals, tax savings or

asset protection).
n Address situations involving non-UK

permanent residency or foreign


property ownership.
n Establish provisions for

business ownership.
Before dra%ing a Will, consider
its contents:
n Evaluate your !nancial assets, property

and possessions.
n Determine your desired bene!ciaries.
n Designate guardians for children under

18 years old.
n Appoint an executor to manage your

estate and execute your wishes

a#er death.
PASSING ON YOUR ESTATE
Executors, named in your Will, are
responsible for carrying out your
wishes a#er your passing. "ey oversee
various tasks, including arranging your
funeral, informing relevant parties and
organisations of your death, gathering
information about your assets and
liabilities, addressing tax bills, paying
debts and distributing your estate to
designated bene!ciaries.
Various gi#s, known as 'legacies,' can
be included in your Will. You may wish
to bequeath an object with sentimental
value to a speci!c individual or provide
a !xed monetary amount to a friend or
cherished charity.
A#er determining these gi#s, you
can designate the remaining estate's
distribution and proportions among
your chosen recipients. Once your Will
is complete, store it securely and inform
your executor, close friend or relative of
its location.
REVIEWING YOUR WILL
Periodically reviewing your Will every
!ve years or following signi!cant life
events (such as separation, marriage,
divorce, having children or moving) is
recommended.
Life changes may require the'
preparation of a new Will'or'amending an
existing Will.
$ese are the most common:
n Buying your !rst home
n Moving home
n Marriage
n Divorce
n Re-marriage
n Children
n A signi!cant change in your !nancial

situation, i.e. inheriting money
n Starting/running a business'
REFLECT ON YOUR
CURRENT INTENTIONS
To make any changes, utilise a Codicil
(an addition or amendment to a Will) or
create an entirely new Will. "is ensures
that your Will remains up-to-date and
accurately re&ects your current intentions
for your estate's distribution. l
24 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
L A S T I N G P O W E R
O F A T T O R N E Y
Part of a comprehensive plan for the future
25 | GUIDE TO PROTECTING YOUR FINANCIAL FUTURE
Managing !nances and making
healthcare decisions can become
increasingly challenging when an
individual's health declines. Have you ever
thought about the consequences of losing
mental capacity and becoming incapable
of making your own !nancial and welfare
decisions? "is is when a Lasting Power of
Attorney (LPA) becomes crucial.
A LPA is a separate legal document from
your Will which allows you to appoint a
trusted person (the attorney) to assist or
make decisions on your behalf, providing
peace of mind for the future.
Many people establish an LPA alongside
their Will as part of a comprehensive plan
for the future. Knowing that a trusted
individual can make decisions on your
behalf if necessary can be reassuring.
DURING YOUR LIFETIME
With an LPA, you can rest easy knowing
that a trusted person will manage your
a%airs if you cannot do so yourself due to
illness, old age or an accident.
Your appointed attorney will be able to
handle your !nances and property and
make decisions about your health and
welfare. "e LPA can include speci!c
instructions and general preferences for
your attorney to consider, ensuring your
unique wishes are respected and carried out.
REQUIRED LEGAL CAPACITY
To create a Lasting Power of Attorney
(LPA), you must have the necessary legal
capacity, meaning you can understand the
nature and consequences of the document.
If you lack the required legal capacity, you
cannot establish an LPA, nor can anyone do
it on your behalf.
Many people are unaware that their next
of kin does not automatically have the legal
authority to manage their spouse's a%airs
without an LPA. As a result, decision-
making processes can become lengthy and
considerably more expensive.
In England and Wales, there are two types
of Lasting Power of Attorney:
LASTING POWER OF ATTORNEY
FOR HEALTH AND WELFARE
$is type of LPA generally covers
decisions related to:
n Your living arrangements
n Medical care
n Dietary choices
n Contact with others
n Participation in social activities
Additionally, you can grant your attorney
special permission to make life-saving
treatment decisions.
LASTING POWER OF
ATTORNEY FOR PROPERTY AND
FINANCIAL AFFAIRS
$is type of LPA typically involves
decisions concerning:
n Buying and selling property
n Mortgage payments
n Investment management
n Bill payments
n Property repairs and maintenance
ENSURING LEGAL AUTHORITY
FOR YOUR AFFAIRS
Without an LPA, no one has the legal
authority to manage your a%airs, such as
accessing your bank accounts, managing
investments or selling property on your
behalf. Many people mistakenly believe that
their spouse, partner or children will be
able to handle these matters, but that is not
the case.
Someone must apply to the Court of
Protection without an LPA to gain legal
authority over their a%airs. "e court then
appoints a 'Deputy' to manage your a%airs,
which is more involved and expensive than
appointing an attorney through an LPA.
To ensure that a speci!c person has legal
authority over your a%airs and to simplify
the process and reduce costs, obtaining
professional advice and establishing an LPA
is essential.
HEALTH AND WELFARE LASTING
POWER OF ATTORNEY
"is type of LPA allows you to designate
attorneys to make decisions about
your healthcare, treatments and living
arrangements if you lose the ability to
make those decisions yourself. Unlike the
Property and Financial A%airs LPA, this
document only becomes e%ective if you
lack the mental capacity to make decisions
for yourself.
If you can't communicate your wishes,
you could end up in a care home when
you might have preferred to stay in your
own home. You may also receive medical
treatments or be placed in a nursing home
that you would have refused if you could
express your preferences. In these situations,
your attorney, appointed by the LPA, can
speak on your behalf.
PROPERTY AND FINANCIAL
AFFAIRS LASTING POWER
OF ATTORNEY
"is type of LPA enables you to designate
attorneys to manage your property and
!nancial assets in England and Wales. "e
LPA document can be restricted, so it's only
used if you lose mental capacity, or it can
be applied more broadly, such as during
illness, mobility issues or time spent outside
the UK.
DON’T LEAVE IT UNTIL IT’S
TOO LATE
It might be too late due to a severe injury,
accident or illness when you realise you
need protection.
Regardless of your perspective,
establishing a LPA is the most e%ective
method to safeguard yourself if you lose
mental or physical capacity. "e sooner you
put it in place, the better o% you'll be. l
This guide is for your general information and use only, and is not intended to address your particular requirements. The
content should not be relied upon in its entirety and shall not be deemed to be, or constitute, advice. Although endeavours
have been made to provide accurate and timely information, there can be no guarantee that such information is accurate
as of the date it is received or that it will continue to be accurate in the future. No individual or company should act upon
such information without receiving appropriate professional advice after a thorough examination of their particular situation.
We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of the content. Thresholds,
percentage rates and tax legislation may change in subsequent Finance Acts. Levels and bases of, and reliefs from, taxation
are subject to change and their value depends on the individual circumstances of the investor. The value of your investments
can go down as well as up and you may get back less than you invested. All figures relate to the 2023/24 tax year, unless
otherwise stated.
READY TO FACE
THESE CHALLENGES NO
MATTER WHAT LIFE
THROWS AT YOU?
We can help you face these challenges no matter
what life throws at you and help keep your future on the right
track. We’re here to ensure that the people and things that
matter to you are cared for.
To review your situation, please contact us
– we look forward to hearing from you.
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