We are constantly researching the marketplace for the most appropriate products for you to choose from. At A.R.D. Consultancy, we take into account your personal circumstances, future plans and any cover you may already have in place.
There are essentially three forms of protection everybody should consider; they are life insurance, income protection and critical-illness cover.
Critical Illness Cover
What would happen if you suffered a serious illness, for example a heart attack, stroke or were diagnosed with invasive cancer? The consequences could be severe with regards to the financial security of you and your family.
What is Critical Illness Cover?
Critical illness cover ensures you receive money if you become seriously ill. This provides either a tax free lump-sum, or income upon diagnosis of any one of a wide range of serious illnesses. The funds could be used to repay a mortgage, pay for medical treatments or pay for a world cruise to help you recuperate! There are several different types of critical illness cover available from a number of different providers. It should be noted that some providers may pay out for one illness but not for another which is why getting the choice of cover and provider to suit your needs is vital.
No one knows what the future holds, but if you were to die tomorrow, how would your family cope financially? Life insurance could help ease the financial strain on your family at an already difficult time.
What Is Life Insurance For?
Life insurance can help ensure the financial security of your dependents on your death. There are several different options out there from numerous different providers.
Life insurance can be arranged for a variety of reasons, one of the most popular is to cover the liability of a mortgage or a loan whereby the amount of protection is directly related to the outstanding balance of the debt.
Having family protection is imperative. Should a parent or both parents die this will have huge implications financially for any children or dependants. One of our most popular protection products is also one of the least expensive and provides a regular income to the child or dependant until they are financially self-sufficient.
A.R.D. Consultancy have access to affordable products to help provide peace of mind and protection for you and your family should the worst happen.
Imagine you have a cash machine in your home which pays out cash each and every month. Would you insure it? YOU ARE THAT CASH MACHINE!
What Is Income Protection?
Should you suffer from an illness or an accident that prevents you from working for a long period of time, this cover is there to pay the monthly bills and keep you and your family financially secure.
Employed? Find out how long your employer would pay you an income. You could get a nasty surprise. Income protection should commence as soon as your employer stops paying an income and could potentially last until your retirement.
Self Employed? How soon would your income stop? Protection should start as soon as your income dries up and continue potentially until your retirement.
As with most financial products, income protection can be customised according to your personal situation and is another benefit of seeking independent financial advice.
Many Other Covers Available
We have only listed above a few of the products that are available. If you have a specific need please get in touch.