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How to protect yourself, your home and your family

October 7th 2009

 Where would your partner be without you?

Are your household bills, including your car, credit card or mortgage repayments based on sole or joint income? Have you thought about how you would continue to meet them if one of you becomes ill?
 
If you are no longer able to work, your loss of income could not only put your home and lifestyle at risk, it could also add extra financial pressure at a time when you should be focusing on getting better.
 
Could your family cope without your income?
No matter whether both of you are earning right now, or whether one of you stays at home to look after the children, it is worth considering your family’s financial protection.
 
If both parents need to work to pay the bills, would you be able to maintain your lifestyle if one of you lost your income? Or, if you depend on your partner to look after the children, what would happen if they were out of action due to injury or illness? Could you cope with the additional financial burden of alternative childcare?
 
Are your family ready to support themselves?
Your children may be more independent, but there are still lots of things they may depend on you for such as university fees, money towards their first car or wedding. Protecting yourself financially is just as important as it was when your children were living with you, especially if you want top safeguard your lifestyle or you’ve still got a mortgage to pay.
 
If you would like advice on taking out income protection or would like to check that you have sufficient cover, give us a call on 0113 287 8200 or e-mail advice@prosperis.co.uk