Life Cover

Otherwise known as Life Insurance is essentially a financial safety net, should something happen to you

What is Life Cover?

Life is unpredictable, and although there is no insurance that can stop anything bad from happening, we can help you to put a practical and cost-effective plan in place to financially protect your loved ones should you pass away.

Life Cover, otherwise known as Life Insurance, is essentially a financial safety net, should something happen to you, then your dependents, such as your children or partner will be financially ‘looked after’.

How does Life Cover work?

Life Cover can be paid out in two ways, either a lump sum or regular payments, and it is completely up to you how you would like these payments to be made.

Whether you would like to ensure that the pay-out will cover specific payments such as your mortgage/rent or if you would like to leave it to your family as inheritance, either way, it is all up to you.

It is also worth remembering that the amount of money paid out in the event of your death, depends on the level of cover that you choose to buy.

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Do I need Life Cover?

Although it is never an easy thing to think about, in the event of your death, life cover can help your family with any financial stresses that may come with your passing including paying a mortgage or any debts you may have.

Life Cover may be suitable for you for several reasons, including:

  • If you have dependants
  • If you have a partner who relies on your income
  • If you can have a family who live in a house with a mortgage.
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How much is Life Cover?

This completely varies as no two people’s situations are the same and there are a number of factors that need to be taken into consideration. These include;

  • Your age
  • Your current health
  • Your lifestyle
  • Your occupation
  • Your family medical history
  • If you are a smoker
  • The length of your policy

The cost of cover will also depend on the level of cover that your buy, which would depend on;

  • If you have a mortgage/rent to pay
  • How many dependents you have
  • If you have any debts
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How can Tipping & Webb help?

We understand that it can be difficult to assess and guess the likelihood of illnesses that could happen to you and your family, this is why all of our advisers will speak with you with a sense of compassion and as a human being.

At Tipping & Webb, our clients are at the heart of everything that we do, and we feel that we have a duty of care to ensure that our clients’ needs are fully met. This is why we offer our clients a full financial review of income, assets, outgoings, lifestyle and most importantly your needs for now and the future.

We make sure that we take the time to get to know you and your circumstances so that we can fully understand and advise what kind of cover would be suitable.

We also appreciate that circumstances may change, which is why the service our advisers provide never ends, because we want to ensure that the cover you have is right for you, at every stage of your life.

So, if you are unsure if Life Cover would be suitable for you or if you would simply like a bit more information, get in touch with a member of our friendly team today who will be happy to help.

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