Can you help me to work out how much Capital is needed for the surviving family members. 

Can you imagine what will happen if a death occurred prematurely in your household or in your business? 

How will the surviving family members cope financially? 

Our role is to:

  • Analyse the assets and liabilities of the family (business included).
  • Seek information from the client and their accountant/financial adviser about what would happen if a death occurred.
  • Provide guidance on the amounts of Capital required for the family to extinguish debt.
  • Provide the required indexed income stream for the family to live on. 
  • Our advice will take into account appropriate ownership, taxation and estate planning measures to ensure the client's policies are structured correctly.

How will I cope if I suffer from a Critical Illness?

The incidence of people surviving what was in the past life threathening illnesses such as a mild heart attack or surviving cancer is increasing but it is without doubt a highly traumatic event and an event that leads people to reconsider their goals, lifestyle and commitment to the workplace.

In such an event a lump sum of capital would be essential to provide for debt reduction, provide capital for unforseen expenses, rehabilitation costs and lifestyle changes. This funding provided by a Trauma contract can fund an extended period away from work and ensure cost is not a restraint to getting the best available care or treatment.

 

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