Everyone needs to be prepared for life's uncertainties.

With our specialist knowledge we can ensure that you or your dependants are adequately covered in the event of death, in the case of the onset of a serious illness such as cancer or a heart attack, or simply to ensure that your income is protected, should you be unable to work due to illness or injury.

• Is your family financially dependent on you or your partner?
• Would you be able to cover your liabilities and provide a financial cushion for your families in the event of death?
• Could you service your debts and supplement the loss of earnings if you were prevented from working by illness or accident?
• If you or your partner had a Heart Attack or Stroke, could you guarantee that you would have sufficient funds to assist in adapting your lifestyle, or to supplement your income so your period of convalescing is as stress free as possible?
• If you had an accident, could you afford the private treatment needed to get you back to work as soon as possible?
  

If the answer to any of these questions is no, you need our advice sooner than you think. Please feel free to contact us if you would like to know how CFS can help you. Below are details of the types of life and health assurance available from CFS Financial Consultants:-

Level Term Assurance Family Income Benefit Mortgage Protection Whole of Life Stand Alone Critical Illness Income Protection Medical and Dental Cover

If you or your partner suffered an illness, or had an accident and were unable to work long term, have you ever considered how a massive reduction in income would affect your current lifestyle? Most peoples employers will actually provide replacement income in the event of long term absence, however this is usually only paid for a specified time after which the person would have to rely on state benefits. Currently, this is £70.95 per week (basic long term rate in the UK). Income protection insurance will provide a high degree of replacement income and can be tailored to run in line with your existing employers arrangements. We even have access to a company that will provide benefit from day 1, which is particularly suitable for self employed people.