Protection Having secured and moved into your dream home Future Prospects want to ensure that there are no dark clouds on the horizon that could possibly upset the enjoyment of your home. It is said that at sometime in everybody's life a little rain must fall but it helps to be prepared. Future Prospects can help you with the following services Why Life Assurance?

It is a sad fact of life that there were 502,599 deaths in 2006 and 88,044 deaths, or approximately 1 in 6, occurred between the ages of 0-64. ( Source: Office of National Statistics June 2007).

What could the loss of a loved one mean to a dependant family apart from the obvious emotional distress?

• Loss of an income
• Loss of Services (Childminding, House Maintenance such as cleaning, laundry or DIY, Care services for an elderly or handicapped relative/friend)
• Possible loss of family business if self employed

Providing adequate Life Assurance safeguards your family against financial insecurity by providing a means to pay off your mortgage and/or other loans and also give family protection for the number of years a child may be financially dependant on you. CALL US ON 01375 651147

Why Critical Illness Cover?

With ever increasing advances in medical science more and more people are surviving what years ago would otherwise have been a fatal illness/condition.

Astoundingly every day 700 people will suffer a heart attack and 1 in 3 people can expect to contract a cancer at some time in their lives. Source (British Heart Foundation 2005 and Cancer Research 2005)

Again this could impact heavily on an individual sometimes disrupting a whole family's way of life if one partner gives up work to care for their partner on a full time basis.

Providing an adequate level of Critical Illness Cover allows the affected individual to focus their attention on making a recovery or adjusting their lifestyles without the unnecessary stress faced with mounting unpaid bills and the possibly of mortgage arrears that may arise from suffering a critical illness. CALL US ON 01375 651147

Why Income Protection? Over 2 million people of working age will be off work for at least 6 months at any one time through sickness or disability. Source (Office of National Statistics 2005) Accident, injury or long-term illness can all prevent you from working and although you may find that your employer provides you with a level of sick pay for a certain period of time what happens after this? If you are fortunate you may have a level of savings to rely on or you may place your hopes in the Government providing certain disability benefits that following a long-term illness you may be entitled to.

An Income Protection Plan gives you the peace of mind knowing that you are paid a regular income throughout the term of the plan that if you wish can increase annually in line with the Average Earnings Index so that the benefit you receive more than keeps its buying power in the years to come. CALL US ON 01375 651147

Why Buildings & Contents Insurance? Your home is likely to be your single most valuable asset that you own or are likely to own so it makes good sense to protect your home and its contents against loss or damage caused by Fire,smoke,explosion,lightning or earthquake Riots, civil commotion, labour and political disturbances or strikes Malicious damage or vandalism Storm or flood Impact or collision Subsidence or heave Escape of Water or oil Theft or attempted theft

Buildings cover includes all of the fabric of your home (bricks, roof, floor windows) and anything that is a fixture or fitting (Kitchen Units, built-in wardrobes) etc. Contents are usually all the items that are neither a fixture nor a fitting or put another way if you turned your house up side down it is all those items that would come tumbling out.

Your building should be covered for the rebuilding cost and not the market value. This can be found on the survey/valuation that you receive if you have commissioned your own survey/valuation.

Your mortgagee has a vested interest in your property and will insist on an adequate level of buildings insurance cover being maintained on your property.

Just as importantly as understanding the level of cover your insurance policy provides is to understand exactly what you are not covered for, the policy exclusions, limits and excesses.

Although it is often said that you are unable to replace the sentimental value attached to some lost or stolen valuables, adequate buildings and contents insurance can ease the additional financial loss that you may also suffer.

Whatever you require your Future Prospects introduced adviser will take time to consider your own individual protection requirements and will be only too pleased to compare the premiums that you are paying under any existing Life Assurance, Critical Illness or Income Protection plan(s) that you have to ensure they are competitively priced. CALL US ON 01375 651147