Life Assurance & Family Protection

We’ve always lived in uncertain times, so it makes sense to do all you can to protect those you care about most. Life assurance, also known as family protection insurance, is available from Scott Fyffe Wealth Management, and it gives you peace of mind at a time when you really need it most. In the event of your death, your family will receive a cash payout that can be used to pay for just about anything. No amount of money can remove the grief that comes from losing a loved one, of course, but it can and will help to remove any unnecessary financial stress in the wake of someone’s demise.

The level of cover that you can have will depend on a number of factors, including your age, your health conditions, whether you have dangerous hobbies or a hazardous job and of course how much you want to pay in premiums. You’ll have a number of considerations to mull over, including perhaps whether you already have some form of life cover from your current employer. As always, if you aren’t sure you can just ask our specialists for more information. Scott Fyffe Wealth Management can find a range of policy options tailored to your needs and your budget, and will be happy to explain anything you’re not sure about.

We can also arrange policies with companies that specialise in ethical insurance, making sure your money is invested in socially and morally responsible initiatives. We’ve seen a significant increase in the number of people wishing to see their cash being used for good, whether via greener energy usage, reducing pollution, improving workers’ rights, encouraging benevolent governments or a number of other strategies. To find out more, all you have to do is ask.

In the event of your passing, a family protection insurance payout could be used for any number of things. Perhaps to pay off what’s left on a mortgage, or university fees for children or grandchildren or to settle existing debts. The choice is up to your beneficiaries, of course. Whether you choose long-term life insurance, a decreasing-term policy or perhaps whole-of-life cover, your loved ones will be happy to know they won’t have to worry about financial problems in the aftermath of your death.

We also offer exceptional critical illness options, designed to help you and your family cope should a serious illness occur. It pays a tax-free lump sum that can be spent however you wish, such as paying off debts, covering the costs of ongoing medical treatment and, should it be necessary, adapting your home to make it more accessible. It’s reassuring to know you and your loved ones have the protection you need.

Some people find it a little difficult to talk about such matters, but it makes so much sense to do what you can should the worst case scenario occur. Our helpful, understanding and friendly team are looking forward to discussing your options openly, honestly and concisely, so give us a call on 01382 721 191 soon. We hope to hear from you in the coming days, and to helping you make a decision that has the interests of your family at its very heart.

Life Assurance plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse.” Plans may not cover all the definitions of a critical illness which vary from providers.