What is your true value?

Written by Matt Payne

 

Just add up how much you are going to earn over the rest of your working life and you will realise why it is so important to have appropriate protection in place. 

If you are going to buy a home or take on the responsibility of having children, you cannot afford to lose your income. 

Whilst many people will happily spend money to insure things that are of relatively modest value and easily replaced, they will sometimes ignore the important covers, like making sure your income continues if you cannot work, clearing your mortgage if you suffer a cancer of other critical illness or worst of all, die prematurely.  Most parents would feel horrified to consign their children and widow to a life of hardship and deprivation.  Yet this is what often will happen. 

The cost of bringing up a family and the value of a non-working spouse are often massively under estimated and as any single parent will tell you, bringing up a family on a reduced income is extremely hard and can lead to a lifetime of under performance due to lack of opportunities. 

Most people would not question that people who have more money have access to greater opportunities in life so making sure that your family do not start off on a back foot is likely to be high on your priorities. 

The recent Covid-19 pandemic made many people feel very anxious and although every death was a personal tragedy, the truth of the matter is, that compared to other illnesses, very few people died.

We can help you understand your personal risk of becoming too ill to work, dying prematurely, of suffering from a critical illness such as cancer or a heart attack and then help you arrange the best protection to ensure that should the worse happen, that you are adequately protected.