Protect your business against legal liabilities

Get a free financial check up with one of our advisors to help you identify your requirements. A dedicated advisor will work with you to find the best life insurance plan for you.

We carry out a detailed fact find to identify your life insurance needs and any gaps in your financial planning and according to your target goal and the length of your accumulation period, we will help you find a bespoke plan.

This is a perfect time to start planning for the future and your protection and savings needs.

Living away from your home country can mean that you are more emotionally and financially dependent on each other, so it’s vital to be secure in these aspects, both now and in the future. The burden of financial worry can be relieved by investing in life and critical illness cover, along with regular savings plans.

We may think that we will never contract a critical illness, but sadly this is not always the case. Insurance rates are very affordable in your 20s and 30s and good value for money. The best time to buy life and critical illness cover is when you are young – the longer you postpone this the more expensive it gets.

Regular savings plans will ensure you have sufficient funds for your future. You may wish to save for a deposit on a house, educational costs or retirement. As you have not started your family yet, this is a great time for you and your husband to start saving as you are both earning and potentially have more disposable income.

The earlier you start to save, the more options you have in the future if you start a family or need to take a break from savings/policy payments.

By taking out an insurance policy with critical illness benefits, you can safeguard against a heart attack and 33 other critical illnesses such as cancer, benign brain tumor, blindness, liver failure, multiple sclerosis and major organ transplant. Unlike the medical insurance policy, which would cover the cost of medical care, a critical illness benefit pays out a lump sum amount if the life insured is diagnosed with, or undergoes a medical procedure covered under the policy. The insured is then able to use the money from the lump sum payment to help pay off existing financial commitments such as children’s education, mortgage and loans and that there is enough capital remaining to allow the insured to maintain the standard of living they are accustomed to. Taking out a policy with the critical illness cover will ensure you have the peace of mind that in the event of a critical illness, the person insured will be able to maintain their standard of living and that outstanding loans or debts can be repaid.