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Nothing matters more than the people in your life, particularly those who depend on you. You'd do anything to protect them - making sure they have everything they need to be settled, safe and secure.

So while it's not a pleasant thought, it makes sense to think about how your family would cope financially if you were no longer around.

Life insurance provides a cash lump sum, or monthly income benefit to your beneficiaries in the event of your death.

Quite often we hear ‘it could never happen to me’ or ‘I’ll sort it out later’.

Well the old maxim of “failing to plan is planning to fail” is no better suited to the ignoring of crucial decisions on protection.  Some think they will address it when they are older but sadly most of us can testify that it isn't always old age that takes our loved ones from us.

We live in a world where we think nothing of insuring our phones, appliances and tablets, and even our cars that aren’t nearly as important as ourselves, and the value to for family over our lifetime.

Money won't replace you, but it will replace the money that you intend to earn over the years to repay your mortgage and/or provide for your dependents. 

Putting it off can lead to problems as over the years you can accumulate illnesses or conditions which may mean getting accepted for Life insurance hard or expensive. 

As one would imagine, there are many types of Protection Policies to choose from. Finding the one that provides adequate cover and the right protection is not as easy as you may think but as Independent Advisors we can help make it as simple as possible.

Speak to Melinda or Jayne to find out what will be best for you. 

As with all insurances, conditions and exclusions will apply.

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Quartz Financial Services Ltd is an appointed representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority Number 460421.

Registered Office 1st Floor Princess Caroline House, 1 High Street, Southend on Sea, Essex, SS1 1JE.

A typical fee for arranging your mortgage is £595, however, a fee of up to 1% of the mortgage amount may be charged.

Quartz Financial Services Limited, registered in England & Wales No. 09497195. Registered Office: The Base Dartford Business Park, Victoria Road, Dartford, Kent DA1 5FS. Telephone 01474 887948.  Financial Conduct Authority Number 591061.

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