Steve Allen Insurance Blog
Don’t wait until it’s too late!
Tuesday, 04 April 2017 15:53

We never think a critical illness is going to happen to us, especially when we feel fit and healthy, but it can and it does and often when you least expect it.

If the worst does happen it’s important to ensure you have the best financial cover to protect you against the impact a critical illness could have on you and your family. Ask yourself these questions…

  • How will you cope if you become ill or disabled and you have no other savings to depend on?
  • What is you have a family that depends on you and your savings?
  • How does it work when you are a single parent and you become seriously ill, what how will your children cope?
In some workplaces, you may be entitled to a form of sick pay. However. This usually runs out after a month or two, and then you find yourself with no financial protection. If you’re eligible, welfare benefits may range from £70 to £100 a week, depending on your circumstances, but even then could you survive? If you need extra cover, why not consider critical illness cover. Here’s what it covers and why you may need it.

Read more...  [Don’t wait until it’s too late!]
 
Life Happens…
Thursday, 09 February 2017 00:00

Let’s face it. Most of you have probably put off buying life insurance for a number of reasons: It’s too expensive, you’re strong and healthy, you’ve not got children, or you’ve just not got round to it yet. Many of you even think life insurance isn’t necessary at all.

However, this isn’t true and there are many reasons for buying it. Here we discuss what exactly life insurance is and what the benefits are.

Read more...  [Life Happens…]
 
Sometimes you’re unable to work…
Thursday, 09 March 2017 00:00

Let’s be honest, none of us like to think something bad will happen to us, which can affect our ability to work. However, every year approximately a million people find themselves in this situation due to a serious illness or injury. Only a minority of employers support their staff for more than a year if they’re off sick from work, and even then are the payments low. Doesn’t have to be serious….any accident or illness could mean you are off sick.

  • Self-employed have no sick pay at all – who are they going to rely on?
  • Single parents with children – How would they cope?
  • Main breadwinner and a house person….if the main breadwinner becomes ill then what?
The vast majority of people go to statutory sick pay or sick pay that covers a month or two. You work hard for your saving and these could run out so quickly with no sick cover.

Read more...  [Sometimes you’re unable to work…]
 


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* These products (or services) are regulated by The Financial Conduct Authority, but advice will be given by a third party