Have you ever considered what would happen to your family if you were to suffer from illness or injury and were unable to work? How would you all cope on a significantly reduced income? Would you have to move to a cheaper property? With the average expenditure of UK households running at £554.20 per week in 2017 could you cut back your monthly household expenses enough and what would that new lifestyle feel like?

Recent research has found that, on average, families would only be able to pay for help for 18 days before their savings ran out and a financial crisis was on the horizon. With 23% of households having no savings, so for these people their ‘Deadline to the Breadline’ could be tomorrow.

Unfortunately, one of the risks to achieving your financial goals could be outside your control - the loss of your income. Whether it’s as a result of an illness or injury, it could have a devastating effect on you and your dependants.

Income protection is designed to pay you a percentage of regular income should you suffer from illness or injury which results in a loss of earnings. With an income protection policy, you can protect yourself and your family against this loss of earnings.

Of course, I understand that with the everyday pressures of family life it’s easy to put off planning for such things, but the reality is that by doing so, you could be gambling with your home and lifestyle if the unexpected happens.

If you would like to protect your family against these risks and enjoy the peace of mind that you can cope financially, no matter what life throws at you, please get in touch with me and I’ll be happy to answer any questions you have and arrange an appointment.

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