Town & County Financial Services Personal Protection

Personal Protection

The aim of personal protection is to provide money for people who financially depend on you. We need to consider the impact and consequences that your death or you suffering ill health would have on the people most close to us.

Critical Illness Cover

For many the financial risks of a critical illness or injury are more important (and likely) than death, as it may lead to loss of work, treatment and additional care costs. A critical illness policy will make a lump sum payment or provide a regular income (see below under Family Income Benefit) on diagnosis of defined “critical” illnesses, serious conditions or injuries. The covered conditions, and level of payment, vary greatly from policy to policy so it is vital to read the terms and conditions of each rather than simply choosing the cheapest.

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Family Income Benefit

Family Income Benefit policies are designed to provide a regular income upon the death of, or (if chosen) upon the life assured being diagnosed with a specified critical illness, until the end of the policy term.

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Life Insurance

Life insurance pays out either a lump sum or a regular income on death (via Family Income Benefit), thus providing a financial safety net for your loved ones. This money can then be used to clear debts, such as an ongoing mortgage, or to fund everyday living.

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Income Protection

Through illness or injury, your income can be protected with Income Protection Cover. When your income is important, it's certainly worth protecting.

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