Young Couple

How to Survive the Tough Years

This is crunch time. Responsibilities are never greater yet budgets never tighter! You may have or be planning children, moving up the property ladder, saving for or paying school fees and juggling with the costs of life in general.

Taking the right action now could mean the difference between “for richer or for poorer”. While you could survive without your annual holiday how would your family cope if the contribution of either partner was lost? The impact would be even more devastating if there is just one breadwinner. 

The contribution of the stay at home spouse is enormous. Have your ever thought just how you would manage if she / he were no longer able to perform the role of unpaid worker?

How much would it cost to employ someone as chef, childminder, maid and family shopper? Think how hard it would be to manage all the domestic chores and still earn the family wage. It is imperative to provide the vital protection required in the event of illness, accident or premature death.

Wouldn’t it be reassuring to know that you or your family could receive
 

• a lump sum or monthly income in the event of death 
• a cash lump if you became seriously ill to pay off all loans
• a guaranteed indexed income until you recovered or until retirement
  

Complete financial security through a flexible scheme will cost less than you think so however much peace and quiet you surrender to your children you will still have peace of mind!

See Life Assurance 
See Income Protection 
See Critical Illness 

Probably retirement planning is the last thing on your mind as you try to keep your head above water but even a small contribution is better than none at all. In all probability it will achieve more than a larger contribution later on as it will benefit from more time to compound and grow. 

See Retirement Planning