insurance advice
The Importance of being insured
When it comes to securing your future and protecting the ones you love, life insurance, critical illness cover, and income protection are three of the most important types of insurance you can have.
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The risks we don’t think about.
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Life Insurance
The elephant in the room. What would happen if you passed away suddenly? Without life insurance, your loved ones may be left with the burden of funeral expenses, outstanding debts, and day-to-day living costs without your income to support them.
Critical Illness
A severe illness like cancer, a heart attack, or stroke could wipe out your savings and leave you financially strained during treatment and recovery. This is a major concern, especially when you can’t predict when or if these events will happen.
Income Protection
If you become unable to work due to injury or illness, how would you meet your financial obligations? Most people rely on their income to cover basic needs, but if you're unable to work, what happens to your family’s lifestyle, rent or mortgage, and bills?
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Knowing your loved ones are financially protected can provide you with peace of mind. Don't wait until its too late.
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Lifes safety net
Life happens
This is where life insurance, critical illness cover, and income protection come in. These products provide financial support at times when you need it most—allowing you to focus on recovery, your family, or your emotional wellbeing without the added stress of financial uncertainty
Life Insurance
A life insurance policy ensures that, in the event of your passing, your loved ones receive a financial payout to cover funeral expenses, pay off debts, and maintain their standard of living. It’s a way to leave a legacy of protection and stability, even when you're no longer there.
Critical illness cover
Critical illness cover provides a lump-sum payment if you're diagnosed with a covered serious illness. This can be used to cover medical bills, lifestyle changes, or even time off work for treatment and recovery. It helps alleviate some of the financial strain and gives you the peace of mind to focus on getting better
Income protection
Income protection insurance provides a replacement income if you are unable to work due to illness or injury. This can be a lifesaver, especially if your illness is long-term. With income protection, you can maintain financial stability, paying for day-to-day expenses and keeping your home without relying on savings.
How we can help?
The truth is, none of us can predict the future. But we can prepare for the unexpected. Life insurance, critical illness cover, and income protection are not just nice-to-have—they’re essential components of a responsible financial plan.
By securing these protections, you’re ensuring that you, your family, and your financial future are safeguarded against the uncertainties that life may throw your way.
Don’t wait until it’s too late. The peace of mind these protections offer is worth the investment. Reach out to an insurance adviser today to discuss the options available to you. It’s never too early to secure your future, but it can be too late.
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Insurance questions
Reach out to a GHL Direct insurance adviser today to discuss your options and ask any further questions.
Life insurance is a contract between you and an insurer that pays out a lump sum (or regular payments) to your beneficiaries if you pass away during the term of the policy. It helps provide financial security for your loved ones after your death.
Anyone with dependents—such as children, a spouse, or elderly parents—should consider life insurance. It’s particularly important if you have debts (e.g., a mortgage) that you want to be paid off, or if you want to ensure your family can maintain their standard of living after you’re gone.
Critical illness cover is a type of insurance that pays out a lump sum or a regular income if you're diagnosed with a serious illness that’s covered under the policy (e.g., cancer, heart attack, stroke). The payout can be used for medical treatment, paying off debts, or other living expenses.
- Cancer
- Heart attack
- Stroke
- Kidney failure
- Organ transplants
- Multiple sclerosis
- Severe burns
- Paralysis
Income protection insurance provides you with a monthly income (typically a percentage of your regular income) if you are unable to work due to illness or injury. This income helps replace lost wages and ensures financial stability while you're recovering.
Anyone who relies on their income to cover essential living expenses should consider income protection, especially if they don’t have sufficient savings to support them during a prolonged period of illness or injury.