Life Health and

Income Protection Planning

You need to ensure that you and your family remain totally financially secure - whatever happens. In our view, ensuring that you have adequate life, health and income protection is a priority above anything else.

There are many different types of insurance available to protect your family and lifestyle from events outside your control and we offer advice on the various products available in the market.

Life assurance

This is a policy that pays out a tax-free lump sum in the event of the death of a policyholder.

This payment could be used by loved ones to pay off outstanding debts such as the mortgage, to provide an investment fund to generate a constant income stream or to meet inheritance tax liabilities.

There are many life assurance policies available and the right one for you depends on your personal circumstances.

Income protection

Although nobody expects to become seriously ill, more than 1.5 million people in the UK have been absent from work for more than a year due to sickness or disability (Source: Department of Social Security).

Given that statutory sick pay is less than £80 a week, this can be devastating to your finances at the very worst time.

Income protection insurance plans can help if this happens to you. These plans provide a monthly tax-free income, typically between 50% and 70% of your net monthly salary, if you are unable to work due to a long term illness or disability.

Critical illness insurance

You may be in excellent health right now, but have you ever wondered what would happen to your finances if you were diagnosed with a serious illness? It is frightening to know that you are five times more likely to get a critical illness than die before the age of 65 (source: ABI) and we all know someone who has been affected by cancer.

A Critical illness policy will provide you with a lump sum on diagnosis of a specific illness during the term of the policy.

This insurance is designed to enable you to pay off outstanding debts such as a mortgage or other loans. It could also be used to provide an investment fund to generate a constant income stream.

Private medical insurance

Private medical insurance provides those members of your family who are covered with access to private healthcare.

Typically this can mean that treatment is received more promptly and private operations can be performed at your convenience by a surgeon of your choice, often at a hospital that you choose.

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Green Financial Advice Limited, Bective House, 10 Bective Place, London, SW15 2PZ
T: 0800 170 7400 E: info@iangreen.com W: www.iangreen.com

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