Far from being a luxury, Protection Insurance should be considered essential, especially if you have a family or people that rely on your income.

If you suffered a serious illness or injury, you may lose your income . This could lead to you losing your home.

Similarly, if you died, your loved ones may be unable to maintain their current lifestyle without your income.

But with the right level of Life and Protection Insurance, you may be able to:

• Pay off your mortgage
• Maintain your or your family’s lifestyle
• Pay for replacement childcare
• Cover school or university fees
• Pay for specialist nursing support

You may already have Life and Protection Insurance in place, but it’s still worthwhile reviewing your current cover levels. Personal circumstances can change regularly so it’s important to ensure your level of cover is appropriate.