Life & Illness Cover
…Reassurance for you and your family
Life Cover
If you have an income and have children, life cover typically is your number one priority when it comes to Financial Planning. If your household would suffer financially if you were to die then you need life cover.
We can’t predict what life has in store and when it comes to premature death we usually think ‘it will never happen to me’.
In reality, we all know someone who has been affected. So it is important to protect our loved ones and ourselves by planning in advance.
It’s our job at Oates Breheny Financial Services to explain to you how much cover you require and what type of cover you need. It’s also our job to make sure you’re getting your protection at the best possible price for the best product.
If you have dependents then give yourself peace of mind by making sure they have financial security after you’re gone.
Serious Illness Cover
After Life Cover, Serious Illness Cover (or Income Protection) is typically your second priority in your Financial Planning process.
There are a number of other names for this product such as Specified Illness Cover or Critical Illness Cover however they all do the same thing. It pays you a lump sum if you are diagnosed with one of the illnesses noted on the policy document. You can use this lump sum to help maintain your family’s standard of living, pay for medical bills and help cope during a difficult time.
Serious Illness Cover protects you from financial hardship if you were to be diagnosed with a serious illness such as cancer or heart attack. It covers many more illnesses than this; every company has different illnesses covered and different options you can take out.
It’s important to get advice from us when thinking of taking out a Serious Illness Policy so that we can take you through all the options and make sure that if you’re going to pay for a policy for the next 20 or 30 years that you get the one that is most suited to you at a competitive price.