It’s the last thing you want to consider and the last thing you would think about insuring against.

You may not have realised it but many UK insurers add Children’s cover for free and automatically added to their parent’s policy.

That lump sum of up to £25,000 could make all the difference in the world;

If you think that you can’t afford life or critical illness have you considered cutting back on the odd little luxury?

The average cost of a cappuccino is now £2.50, if you just had one less coffee a week you could free up £10 per month, which could buy you £40,000* worth of cover.

That’s a startling statistic from Macmillan Cancer Care.

As survival rates increase life insurance isn’t going to help the family recover from the financial difficulty According to the office for National Statistics for example 83% of women will survive Breast Cancer for more than 5 years.

Unfortunately if you couldn’t work through ill health you might have to find out.

You might be surprised to learn that statutory sick pay is only £81.60 a week, these days that’s just enough to buy about 60 litres (13 Gallons) of petrol.

Other state benefits aren’t as generous as you might think either;

• Statutory Sick pay is only £81.60 a week and is only paid for 28 weeks
• Employment and support allowance is only £67.50 per week
• Bereavement payment is a one off sum of £2,000 but would it even cover the funeral costs.
• Widowed parent’s allowance is only £100.70 per week, how much would that buy for your children?

You don’t have to rely on the state; you can protect yourself and your loved ones.

If you would like a protection review then please contact me to schedule a time to have a chat.