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Life and critical illness insurance policies are designed to cover you and your family in the unfortunate event of serious illness or the death of a loved one. This cover can also help pay for medical expenses and provide a lump sum to your family.
These policies are designed to pay out a lump-sum upon death or diagnosis of a specified critical illness – the most common being Cancer, Heart Attack or Stroke. However, the list of illnesses covered continues to become more comprehensive.
Most clients take out protection plans to ensure they leave a lump-sum pay out for their family to help with the repayment of debt, which is most commonly in the form of a Mortgage. Critical Illness Insurance could alternatively be used to pay for medical treatment or improvements to the home in the case of disability.
Q Financial Services will take the time to provide you with a review of your circumstances either at our offices or in the comfort of your own home.
We always believe it’s important to understand your priorities and needs, before providing you with the most suitable solution.
This is a no obligation consultation.
All applications and trust forms will be completed by us and we will keep you updated on every step of the process for constant peace of mind.
Life insurance ensures that your family is protected in the event of loss of life. It could be used as a lump sum to provide for dependants, a lump sum so a spouse can continue to live in the family home or to clear a mortgage debt so family members can keep the home without the burden of having to make regular mortgage payments on their own.
If you want to know more about our life insurance options or wish to discuss your individual needs with us, then please get in contact with our team at Q Financial Services.