The majority of people prefer not to think
about the consequences that their death or critical illness
will have on their family or their own standard of living.
Life assurance is designed to replace a lost income or pay
off a debt, it cannot replace a father, mother or a partner,
in the same way that a lump sum of money cannot remove the
critical illness. What it can ensure is that a period of
bereavement or sickness and disability is not made even
worse by financial hardship.
Questions to consider:
If something were to happen to you or should you become
ill would you want to keep your home? Who would maintain
the mortgage payments and for how long?
How much do you spend each month on non discretionary
expenditure. How long would your savings last if you had
to maintain these monthly payments? Or how long could your
family realistically support this expenditure.
At Liquid Financial Management Ltd we are
not here to scare you however we feel that to treat our
clients fairly is to help you identify any areas where insurance
protection is a need and how much cover is appropriate.
More importantly this will be within a budget affordable
to you. Our logic is that it is better to put something
in place that is affordable to our clients rather than nothing
at all. With regular reviews that take into account change
of circumstance we aim to work towards meeting a client’s
full need.
All of our mortgage advisers will ensure that
you are appropriately advised on your protection needs based
on your circumstances as part of there mortgage recommendation.
Our specialist consultants can advise
and assist you on:
Mortgage Protection Insurance
Life Assurance
Critical Illness Cover
Income Protection
Accident, Sickness and Unemployment Cover
Private Medical Insurance
Keyman and Shareholder Assurance.
Life Plan Trusts.
Openwork Limited offers insurance and
investment advice on products from a limited number of product
providers and advice on mortgages representative of the
whole market.
