Financial Protection

We all know life is full of uncertainties - unfortunately some of these uncertainties can potentially harm or even ruin us financially. That's why financial protection is so important. Financial protection can give you peace of mind. So no matter what happens in life you can be secure in the knowledge that at least financially you'll be able to cope.

Don't let bad luck decide your financial future. Financial protection insurance is often overlooked when developing a financial plan, although it is one of the best forms of protection against life's calamities, including financial hardship caused by serious illness, injury or death.

Nobody wants to think about morbid "what if" scenarios. But, what if you fall ill or get injured and as a result can't work? What happens to your family in the event of your death? By investing in financial protection, you are putting a contingency plan in place, ensuring the worse case scenario is avoided.

There are a number of financial protection options available. The information below should be used as a guide only. The best choice for you will be entirely dependent on your unique circumstances. A professional lifestyle consultant can help you determine what is right for you.

Income Protection

What is your greatest asset? Most people typically respond that their home, their car, or their investments are their greatest assets. However, your greatest asset is actually your ability to earn an income.

Most of us rely on our income to pay the mortgage or rent; to keep ourselves and our families clothed and fed; and maintain a comfortable standard of living. So protecting our ability to earn an income should be a high priority. Yet, while many of us insure our homes and possessions, we often ignore protecting our income. An income protection policy will pay a regular income if you are unable to work because of sickness or injury. Whether the disability is as serious as cancer or as minor as a broken arm, income protection provides a simple, cost-effective safety net.

Income protection is particularly important to the self-employed, who cannot rely on short-term sick leave from an employer.


Life Insurance

A life insurance policy provides financial assistance in the form of a lump sum to your family or other dependents in the event of your death. The proceeds can be used to meet your family's outstanding commitments, such as the mortgage on the family home, and to maintain your family's standard of living.

There is no doubt that no price can ever be put on the value of a human life. However, life insurance is a safety net that allows your family to cope financially if you or your partner died. In what would be an emotionally devastating time, life insurance removes one major stress - financial insecurity.

Ensuring you have adequate life insurance for your individual circumstances can be a difficult task. A lifestyle consultant can help you by highlighting areas to consider when calculating the amount of life insurance that you require.

Critical Illness Insurance

Most of us know of someone that has suffered from a serious illness. While modern medicine can provide many people with a good chance of recovery, the financial consequences of a serious illness can be devastating. Bills for example don't stop, just because you're ill. A serious illness, such as cancer, a stroke, a heart attack or any one of a number of other major illnesses, can strike at any time, causing physical and emotional trauma.

For those recovering from such an illness, or facing a lengthy period of incapacitation or recuperation, there is often the financial burden of medical bills and expenses, the ongoing costs of rehabilitation and care, possible modifications to the home, and forced early retirement.

Few people have the necessary savings to pay all these expenses or to manage without a regular income.

Critical Illness insurance can offer relief by paying a lump sum in the event of a specified condition, helping to ease the financial burden on both the insured and the family.

Health Cover

Working, travelling or relaxing, whatever you do, wherever you are in the world, private medical insurance can no longer be viewed as a luxury, it is now an absolute necessity.

Away from your home country, the last thing you will want to do is take a chance on healthcare cover. If we value our health, it must make sense for us to take care of it. Falling ill overseas can be a crippling experience, mentally, physically and financially as many case histories will show. So, why risk it?

We aim to assist our clients as much as possible - not just in the purchase of an international health insurance plan but also throughout the life of that policy.
Choosing the best international private medical insurance plan isn't something that can be left to chance. Wherever you are in the world you need to be sure that the plan you buy is going to give you help, quality and peace of mind that you deserve.
We have extensive knowledge of the international insurance market and will only advise solutions to you that we know are of the highest possible quality.

It is important to plan for the uncertainty of illness or injury with an international health insurance plan that will enable you to afford the best treatment available, wherever you are.