Financial protection is often overlooked, and yet it is an important part of providing financial security to you and your family in the event of something unexpected happening.

There are a number of questions that you might want to ask yourself:

• What will happen to my family if I (or my partner) were to die unexpectedly? Would the surviving spouse and our children have enough to live on? Would the mortgage be repaid?
• What will happen to me and my family if I or my partner were to be diagnosed with a critical illness (e.g. cancer, heart failure, etc.)? Would a tax-free cash lump sum help lessen the blow?
• What would happen to me and my family if my partner or I were unable to work for a prolonged period through illness or accident? Would my salary cease in such a situation?
• Would I be able to afford private medical expenses if I were to need to go into hospital?
• What would happen if I were made redundant?

Vision Financial Advisers can advise on all aspects of financial protection, including:

• Group Protection as part of an employee benefit package (including Death-in-Service cover, Group Critical Illness, Group Income Protection and Group Private Medical Insurance)
• Term Assurance
• Critical Illness
• Income Protection
• Endowments
• Whole of Life cover
• Accident, Illness & Unemployment Insurance
• Private Medical Insurance (including comprehensive policies such as cover of maternity costs)
• Director/Partner Business Protection
• Key Man Insurance

Furthermore, Vision Financial Advisers can advise on using life assurance products to mitigate inheritance tax as part of estate planning.