Choosing the right type of cover in case the unexpected happens
Coronavirus (COVID-19) has exposed – or more accurately, underlined – the importance of life insurance. It’s understandable that we would rather not think of the time when we’re no longer around. But it’s important to protect the things that really matter – like our loved ones, home and lifestyle – in case the unexpected happens.
Choosing the amount of cover you need and how long you need it for
None of us want to think about not being around for our loved ones but life-changing events can occur at any time. The thought of not being around to protect and provide for your loved ones can be a worry.
Helping you repay a debt, like a mortgage and credit cards, or provide a legacy for your friends and family
Term insurance gives you life cover over a pre-agreed period of time. If you die during this period, your policy pays out a lump sum. This type of cover is useful for providing financial security for your dependents.
You may not think you need as much life insurance once you’ve retired or paid off your mortgage. But the need for cover doesn’t end. Whole-of-life insurance is cover that will pay out when you die, no matter what your age is.
Critical illness cover can help minimise the financial impact on you and your family if you become critically ill. Being diagnosed with a critical illness can affect anyone at any age, strike at any time and can turn lives upside down.
The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. Please take the time to read the Terms and Conditions relating to our financial services.
HSC Financial Advisers is the trading name of HS Coleman (Insurance Services) Limited, who are authorised and regulated by the Financial Conduct Authority (FCA) and is entered on the financial services register (www.fca.org.uk/register) under reference 169843.
Registered as a limited company in England and Wales under company number: 02322691
Registered Company Address: 94-96 Merton High Street, London, SW19 1BD