Who needs insurance? The short answer is ‘everyone’, it just needs to be the right type.
Below are some very basic questions you can ask yourself to help you identify where you need financial protection.
Financial Dependents – ‘If I died would ANYONE require ANY financial support?’
If the answer to the above question is ‘Yes’ then you need Life Insurance. We can help you identify the most suitable type of policy for your needs from a wide range of insurers, give us call or book an appointment today.
Financial Independence – ‘If I was unable to work due to poor health would I be able to cope financially after my sick pay and savings were exhausted?’
If the answer to the above is ‘No’ then you need to protect your ability to earn money. You need Income Protection. Gives us call for a tailored quote, we search a huge variety of insurers and can work to any budget.
Home Insurance.
Buildings insurance covers the cost of repairing damage to the structure of your property. This includes the walls, windows and roof as well as permanent fixtures and fittings such as baths, toilets and fitted kitchens. As a general rule, buildings insurance covers the cost of rebuilding your house from the ground up.
Contents insurance on the other hand, covers the cost of replacing your belongings in your home if they are damaged, destroyed or stolen. Generally, your ‘contents’ are defined as the items that would fall out if you could pick your property up and turn it upside down.
Combined Buildings and contents is a convenient way to make sure everything is covered, you’ll often receive a discounted premium for combining the two.
Ever thought about your most valuable asset? House, Car, jewellery perhaps? Nope. Your most valuable asset is your ability to make money, think about how much you’ll earn over your career. Worth protecting right? Yet we’re more likely to protect our mobile phone than our income.
