Life Assurance and Income Protection

Protection can remove financial headaches and unnecessary burdens when unexpected events arise, leaving you or your family able to deal with more important things.

Prolonged ill-health, disability and death are all major threats to a family’s financial security. While these issues are not pleasant to think about, the better prepared you are, the better you will cope. Consider these basic points:

  • Could your family cope without the financial security that your regular income gives them?
  • What would be the likely financial effect if you suffered a long-term illness or disability?

While it might seem like an easy cutback to make in the short term, the cost could be far higher if you get caught out with no protection.

IDS Financial Services’ advisers can help you find the right cover to suit your needs and complement any existing protection you may already have such as:

  • Life Cover
  • Critical Illness
  • Income Protection
  • Private Medical Insurance

It is important to review your insurance arrangements regularly. As circumstances change, so do your insurance needs. A house move, an addition to the family, a new job, redundancy or retirement are all factors which could influence your insurance needs.

These plans typically have no cash in value at any time and cover will cease at the end of the term.  If premiums stop, then cover will lapse.