Who Is Watching Your (& Your Family's) Back?

Managing your financial life today can be a fairly complex affair, with lots of different challenges and aspects involved. Our role is to help you make wise decisions in relation to all areas of your financial life. 

We play an important role in helping you to safeguard your future and that of your family, no matter what life throws at you. We help you protect your financial future against unexpected and premature events such as illness, accident and indeed death. Each of these events often have a devastating affect emotionally on families. It is our job to ensure that your financial situation is not an increased burden should one of these events occur. We will advise you and help you arrange the necessary and most appropriate financial products to protect you and your loved ones against these unforeseen events. 

Life Assurance
Probably seen as the most basic financial protection product, life assurance pays out a lump sum upon the death of a life assured. It is very important that you have the right type of policy to meet your specific needs. However life assurance comes in many different forms, it may be simply to provide financial protection for a family in case of death, or it may be to repay a specific mortgage or loan repayment on the event of death. Life assurance also plays an important role in tax planning, particularly in the area of estate planning and inheritance tax planning. It is important to be aware of the range of different features and benefits. We will give you advise based specifically on your needs. 

Specified Illness Cover
Suffering a significant illness is always a worry for families. And of course you worry about how much it will all cost and are there other costs emerging as a result of the illness. Specified Serious Illness cover pays out a lump sum benefit in the event of the life assured suffering from one of a list of illnesses as specified in the policy. This can literally be a life saver, sometimes enabling a policyholder to immediately access treatment that may otherwise be financially beyond them. With an awareness of all the policies available in the market, we can help you decide the required level of cover and will find the policy that best meets your needs. 

Income Protection
Income Protection, sometimes referred to as Permanent Health Insurance (PHI) is the foundation of financial protection. It is a product that financially protects you from being unable to work due to illness or accident. After a waiting period the policy pays out a replacement income until a specific age. The policy pays out until you are able to go back to work or in some cases the benefit may continue to be paid right up until the end age of the policy, often at age 60 or 65. There are many different benefits available under these policies with different benefit levels, waiting periods and ceasing dates. WE will help you to sift through these options and find the right policy for you at the best price. 

Cummins Insurances Ltd will help you to protect your family financially against all these unforeseen events and allow you to take comfort in knowing that we have your back.