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Life Protection 

The last time we checked, the death rate in the UK was 1:1. While it is extremely British to not want to think about this, planning ahead can have a profoundly positive impact on your family or loved ones. Sadly, the converse is also true. Life Cover by nature is very simple, but we do also need to think about are things like Wills and Trusts to ensure the money goes where it should, as quickly as possible. That may seem complex but it really is not. We will talk you through this whole area so that you get the best possible outcome.

Income Protection

Robert Kiyosaki defined wealth as ‘the number of days you can survive without physically working’. How long is that for you? Protecting your income should be foundation of everything you do, even if you don’t have a mortgage. Some people are fortunate to have this covered by their employer to some degree, but you need to think about what happens after that time. Do you really want to eat up hard earned savings or rely on family? We can make sure that you don’t have to.

Lifestyle Protection

This is a very broad area but some time and thought should be put into what happens if you are unfortunate enough to suffer a Heart Attack, Cancer, Stroke, MS or other major illness. Would this put strain on your finances if you can’t work? Could you afford the best medical treatment? Medical advances mean that one of these diagnosis does not mean the end, but it crucially important that you plan against this so that you can carry on your life as before and get yourself back onto the road to recover ASAP. Most of us know someone that has been affected by one of these major illnesses.

Family Protection

Another broad area, but anyone with children or dependant relatives would want to make sure that they will be taken care of if they aren’t around. Planning for additional childcare or safeguarding Education costs are vital. There are a range of solutions which will discuss with you, so that your family can carry on with their future plans as best they can.

Why Spectrum Mortgages & Protection