Tuesday, 16th March, 2010
Financial Services
Protection

FINANCIAL PROTECTION FOR PEACE OF MIND

Independent Financial Advice

We can assist you by giving thought to how your financial commitments will be met if one of you becomes ill for a long time, or even dies. Unpleasant though it is, you should consider where the money to pay for items like mortgage repayments, loans, council tax, food and fuel would come from if one wage or salary is lost. We'll give you some positive, affordable ideas on taking care of the unexpected.

Your peace of Mind

We will take you through each of the areas you need to address. We realise that a lot of the areas may currently seem irrelevant, but believe us, the more you do now to plan for the future, the easier your lives will be.

LIFE ASSURANCE

Your Family's Needs

When asked how much they would need to win in a lottery to be able to give up work, I suspect most people would probably provide an answer between £500,000 to £1,000,000.

However, when asked how much their family would need to live on, if they were to die, most men tell me something like "Oh, she'll be alright, the mortgage will be paid off" or "Oh, she'll be fine. She can go back to work."

It is not easy to contemplate your own death or that of your partner. However, it is important to be realistic about your family's financial future, and how they would survive without you and your income.

Part of my role as an Independent Financial Adviser is to analyse the income needs of families and provide help in solving the financial problems of losing a loved one. To discuss this sensitive issue in confidence call me now on 01788 816964 or e-mail me at tom@touchstone.uk.net

Saving You Money on Your Life Cover

In Recent years the cost of life assurance has reduced, due to the increase in life expectancy and the reduction in the threat of AIDS as a major cause of premature death. If you have taken a policy out in the last ten years it is very likely that you could save money on your monthly premiums by switching to a new insurer. Touchstone uses a computerised comparison system in order to research all available providers, giving an excellent chance of helping you to get the deal you deserve.

For a no obligation quotation please call me now on 01788 816964 or e:mail me at
tom@touchstone.uk.net

INCOME PROTECTION

Long term sickness or disability can be a strain on emotions and finances. If you were unable to work for more than three or four months, just think of the consequences for your bank balance.

If you have savings it is unlikely that you would want those to be depleted during period of prolonged illness.

By paying a small monthly amount you can ensure that a large proportion of your income continues during any long - term illness.

The difference in the cost and level and cover between different companies offering this type of cover. We can help you unravel the complexities of this type of cover.

Critical Illness Cover

The diagnosis of a critical illness can be devastating to a family or an individual. The impact on your finances can also be quite devastating. If you require time off work or need to pay for private treatment you may welcome a lump sum payment to help ease any financial concerns. Without having to worry about your finances, your recovery could be a lot quicker.

Critical Illness Cover can provide a lump sum payment in the event of:

and many other illnesses

Different companies cover differing conditions and we can help you find the right policy for you and your family.

For further information or a no-obligation confidential financial review,
email Tom Dillon or telephone 01788 816964.