Life and Serious Illness Cover

We all think  “it will never happen to me”  but suffering from a serious illness or dying could create financial issues at a very difficult time for you and your family.  This is why planning your life and serious illness cover is so important.  Remember, you may be able to get cover today, but underwriting can become more difficult as we advance in years.

We  understand that flexibility is also very important, and we can advise you how to combine cover to find the protection policy that will give you the utmost peace of mind.

Life Cover:
Life cover  provides a benefit for your family or other named beneficiaries if you die within the term of the insurance contract.  You can chose a policy that will pay a life cover benefit as a once off  lump sum or alternatively you can chose a policy that pays a lesser amount as a lump sum and a continuing a monthly income in the event of your death.

Everyone’s situation is different and at Future we can help you decide how long you want your cover to last, for example until your children have finished college.

Cancer Cover:
Cancer cover pays out a lump sum benefit if you are diagnosed with cancer as defined in the policy conditions.  This type of plan may be more affordable as it costs much less than general serious illness cover, but it provides peace of mind if you are concerned about this specific illness.

Serious Illness Cover:
This cover pays out a specified lump sum  on diagnosis of a specified serious illnesses during the chosen term of cover.

Serious Illness Cover can be set up as a stand alone policy, which means that the Serious Illness cover is paid independently of any Life Cover under the policy.  You also have the option of accelerated cover, which means that the serious illness benefit paid subsequently reduces the amount of life cover that will remain in force.

At Future we will shop the market on your behalf to ensure you get the best policy for your needs at the most competitive price.

For Clear Impartial Advice on Life Assurance Contact Future