Protection

Some things in life are certain, like the fact that one day we will die. Most of us would like to think that when the day comes, we’ll be old, our loved one will be financially secure and our financial responsibilities will be taken care of.

But some things are less certain and, sadly, such a situation isn’t always a reality.

We know how stressful and time-consuming buying a home is – solicitors, mortgages, packing and moving, but remember to add the most important of all: protection

Different scenarios to consider:

  • Who would pay the mortgage/rent/bills should you die
  • How would you pay the mortgage/rent/bills should you suffer a critical illness
  • How would your surviving partner pay the mortgage/rent/bills or provide for any dependants should you die or suffer a long term critical illness
  • How would you pay the mortgage/rent/bills should you not be able to work short/medium long term sickness due to an accident or illness
  • How would business partners/or your Company cope should you not be there

Protection Available:

  • Life Insurance
  • Critical or Serious Illness Cover
  • Family Income Benefit
  • Income Protection
  • Accident, Sickness (and Unemployment)
  • Buildings and Contents Insurance

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Protection Shortfall Calculator

No email required. Your inputs never leave this page.

Household & Financials

Mortgage/rent, utilities, food, childcare, debt repayments, etc.

Income Protection – Policy Inputs

Used to estimate first IP payment date (paid in arrears).

Life Cover – Assumptions

This tool is for guidance only and not personal advice. Provider caps, definitions and eligibility vary and are subject to underwriting. Income Protection benefits are assumed monthly in arrears. Always read policy documents and seek regulated advice for recommendations.