Do you know how those whom you support would manage financially after your demise or your forced retirement through ill health? Does the ‘comprehensive’ cover which may exist through an employer scheme meet your actual needs?
Death and severe illness may provide particular financial challenges to deal with, especially for those whose circumstances are unprepared to meet them. It is impossible to plan for these events after they have happened. Often, simple additions to a financial need which may be covered by what is available from an employer will ensure the family can meet the future confidently.
Through a methodical process I will point out the areas where your cover may benefit from supplementary action. This can include both policies as well as referral to other professionals who will assist in other areas such as Will writing or Powers of Attorney. Where the necessary is altogether lacking I will advise on a complete solution.