Long Term Sickness

What is Term life insurance

We understand that circumstances change both for the better and for the worse. Whilst we would hope that the changes that you experience are welcome, we can help you minimise the impact of any unwelcome changes in your circumstances.

In our experience the most common changes 747 business air charter which would have an impact on your financial situation will be long term sickness resulting in a reduced income either by way of reduced overtime, bonuses or the need to move to statutory sick pay OR a period of unemployment due to redundancy OR the death of either you or your partner if you have one.

It is a fact that:

  • There are an estimated 2.78 million, Accident Compensation people living with Coronary Heart Disease.
  • In the 3 months to March 2015, 143,000 people were made redundant in the UK.
  • The number of unemployed people in the 3 months to March 2014 was 1,400,000.
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  • 1 in 4 males and 1 in 5 females suffer a serious illness before retirement.
  • 1 in 3 people will be affected by cancer at some time in their lives and 1 in 4 deaths every year are due to cancer.
  • During your working years, you are 15 times more likely to suffer a long term illness or disability than you are to die.
  • Last year, 2 million adults claimed state benefits because they were ill for longer than six months.
  • Whilst these statistics are designed to shock you, they do show that there is a real likelihood that you will, at some point in your working life, encounter a period of uncertainty. The responsible way forward is to protect yourself against one or more of these eventualities and we would like to help make your future more secure.
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ource:British Heart Foundation Statistics 2004, H M Govt Quarterly Workforce Statistics, GE Frankona RE Estimate, OPCS Cancer Statistics, Office for National Statistics, Department for Work & Pensions - April 2014.

--------  Term Insurance Explained in plain English

Term life insurance is the most basic form of life insurance and is the least expensive means of insuring a life. Term insurance covers you for a fixed period and only pays out a single lump sum of money if a person dies during the policy term.  see: Definition of Term Insurance

A number of term insurance policies offer additional options. These include for example critical illness cover (see: Critical illness cover is it worth it - This is Money).

One advantage of adding critical illness cover is that the term insurance plan will pay out on diagnosis of an illness that is life threatening

To obtain some term insurance illustrations which will show what the costs will be to protect yourself then please complete the application form and we will come back to you with some personalised figures or if you have any questions that you would like answered then please feel free to either email or call free on 998 005 5522, we are here to help and look forward to assisting you soon with your insurance

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