Life, Permanent and Total Disability, and Critical Illness Insurance
It is widely known that most individuals are significantly under-insured in this area, which can lead to individuals leaving their family with serious financial difficulties in the event of their death, disability or onset of a critical illness. Many rely solely upon company benefits which are normally limited to pay two to four years of salary in the event of death in service. Whilst we do not usually live our lives with the expectation of something going seriously wrong, we should all be aware of the horrifying statistics, and the best way to protect our families against the financial implications of one of these events is to put a policy in place designed to pay out a sufficient lump sum to maintain existing standards of living.
Income Protection Insurance
In the event of not being able to work due to a long term sickness or disability many employers will continue to pay a salary for three or six months, but what happens thereafter? An Income Protection insurance policy can replace your income until you recover and return to work or until you retire if you are unable to ever return to work. This insurance policy is both important for those with families and those without, who have no-one else to rely upon to support them financially.
IPG would recommend reviewing your personal requirements with one of our specialist business partners.
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