Protecting your loved ones for the future 

Insurance for families 

Imagine what would happen to your family, if you were to suddenly fall critically ill or pass away? Sadly, many of us will know somebody who has suffered from a serious illness or lost their life to cancer. The personal and financial effects on family and friends can be devastating.  
Therefore, it’s important that you and your loved ones are fully protected should the worst happen. After all, you insure your car and home, so why wouldn’t you insure yourself? If you are the main breadwinner, without your income, how would you pay the bills? How would your family survive? 
When it comes to protecting your family and loved ones, we have whole of market access to a vast range of policies – some of which you may not have even considered… 

Life and Whole of Life Insurance – Financial Security 

Life Insurance provides financial security when your family needs it the most. Have you ever considered how your family would cover the mortgage, bills, and your funeral costs, if you were to suddenly die? Life Insurance pays out a cash lump sum (or a regular monthly payment) to those closest to you should you pass away or if you’re diagnosed with a terminal illness (less than 12 months to live).  
This much-needed money can be used to pay the bills and any debts, helping to relieve your family from financial worries. If you have young children or dependants, life insurance is very important and will ensure you have true peace of mind for their future. There are two types of policy - Term Life Insurance (this is for a set term such as 5, 10 or 25 years and only pays out if you die within the chosen term of your policy) and Whole of Life (this pays out when you die, whenever that might be. 
At Intelligent Adviser, we work with the best life insurance companies in the UK, comparing policies on your behalf, so we can find the right one for you and your family. For more information, please call our qualified advisers on 0330 113 0007. 
Life Insurance isn’t as expensive as you think. It could be as cheap as 22p a day*! 
*Based on a non-smoker, aged 30, employed. Decreasing Term Assurance £6.70 per month (Mortgage Protection): 1st life, £150000 life cover, policy duration is 25 years, premiums are guaranteed, policy interest rate for cover 10%. The actual price will depend on your circumstances and underwriting. 

Family Income Benefit – Cost-effective Life Cover 

Most of us work to live, earning just enough money to pay the bills to provide a standard of living. However, if you passed away, your income would be lost, and the lifestyle your family currently enjoy could be at risk. Family Income Benefit (FIB) is a type of life insurance and can replace your income in the event of your death to help protect your family’s financial security.  
As a ‘decreasing-term life insurance’, this type of policy runs for a set period of time known as the ‘term’. Therefore, if you die within this period, the policy pays out a regular tax-free income until the end of this term, whereas traditional life insurance pays out a lump sum on death. Well suited to young families with children, this affordable type of policy offers essential cover. 
Intelligent Adviser can arrange this cost-effective financial cover for your loved ones - please call our qualified advisers on 0330 113 0007 for more details. 

Income Protection – Paying bills when you can’t work 

Imagine not being able to work due to illness or injury – who would provide for your family? Who would pay your mortgage, bills and other living expenses? An Income Protection policy provides security for your family while you’re recovering. This type of cover pays out a regular income if you can’t work due to injury or illness, and helps you meet your monthly outgoings.  
Even if your employer provides sick pay, it is unlikely to last more than a year, so this type of protection is very important. Income Protection is affordable and very easy to arrange – plus, it will continue to pay out until you return to paid work or you retire (whichever is sooner). 
At Intelligent Adviser, we will help you understand all the options to find a policy that suits your situation. For more information, please call 0330 113 0007 and speak to our qualified advisers. 

Critical Illness – Paying the bills if you fall ill 

If you were to fall critically ill, and you don’t have enough savings to cover your mortgage and bills, a Critical Illness policy will pay out either a lump sum or a regular payment. When you’re facing a serious medical condition, such as cancer, heart problems or a stroke, or you find yourself disabled, this money will help to relieve any financial pressures. If you don’t have an employee benefits package and are likely to rely on welfare benefits, Critical Illness cover will protect you if you need to take time off work due to long-term sickness.  
This type of policy is especially important if you have children below the age of 21 who are financially dependent upon you. As Critical Illness Cover can vary from policy to policy, we will always thoroughly discuss the cover terms with you. 
At Intelligent Adviser, we will make sure you know all the relevant conditions, so your policy covers what you need. Please call our qualified advisers on 0330 113 0007 for more details. 
For more detailed information on the above policies, please see our Family Insurance Checklist. 
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