The type of insurance policy you might need depends on your situation.
A life insurance policy will pay your dependents a lump sum or regular payments if you die unexpectedly. If you have a partner or children, life insurance can provide you with the reassurance that they will be able to cope financially without you.
Income protection insurance is designed to support you financially if you can’t work due to illness or injury and your income drops. This type of policy is particularly relevant for anyone who is self-employed and wouldn’t get sick pay.
You might consider getting short-term income protection insurance. This type of policy will pay out a monthly sum, for a set period of time, if you lose your source of income due to illness, injury or redundancy.
You might consider critical illness cover, which will cover you in case you get a specific type of life changing condition.
As Independent Financial Advisers we can help you find the one that best meets your requirements.
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Rocha Finance is a Trading Style of Mortgage Force (UK) Ltd, who is directly authorised and regulated by the Financial Conduct Authority.
Our FCA Authorisation Number is: 843041 (this can be found on https://register.fca.org.uk)
Mortgage Force (UK) Ltd is registered in England and Wales, registration no: 09394027
You should carefully consider all options before securing any debts against your home. Your home may be repossessed if you do not keep up with your contractual payments on the mortgage or any other debts secured against your property. If you are looking at consolidating existing borrowing to secure against your property, you should be aware that you may end up extending your repayment term and increase the total amount payable back.