search.noResults

search.searching

saml.title
dataCollection.invalidEmail
note.createNoteMessage

search.noResults

search.searching

orderForm.title

orderForm.productCode
orderForm.description
orderForm.quantity
orderForm.itemPrice
orderForm.price
orderForm.totalPrice
orderForm.deliveryDetails.billingAddress
orderForm.deliveryDetails.deliveryAddress
orderForm.noItems
71


LIFE IS UNPREDICTABLE SIMON PHILLIPS Independent Financial Adviser


Life is unpredictable – which is why ensuring you have appropriate protection for your family is vital.


Most of us understand the importance of life insurance, it would provide for our loved ones if we were no longer there to provide for them ourselves. If we are a breadwinner for a family, and especially if we have a mortgage, life cover is vital for peace of mind alone. But many people who have what they think is adequate life insurance in place are leaving their loved ones at risk.


Life insurance is not just for the main breadwinner


Many couples only have life insurance in place for the main breadwinner. Even when both partners are working, a significant number may try to economise by only providing cover for one.


Losing a partner can have a big impact on your financial arrangements. Suddenly being faced with full responsibility for the cost of the home you shared and other commitments would probably add financial hardship to the pain of loss.


It is tempting to imagine that a partner who has the main responsibility for children does not need cover, especially if they are a full time parent. This can be a costly mistake – even a non-waged parent makes a significant contribution to the financial security of your family.


Joint cover


Many couples may not give themselves the cover they need because of concerns about the expense. Fortunately, you can arrange joint cover for yourself and your partner which can be a more affordable way to provide the type of financial security you need for an uncertain future.


The information contained in this article is based on the opinion of Continuum and does not constitute financial advice or a recommendation to suitable Protection products or investment strategy, you should seek independent financial advice before embarking on any course of action.


MORTGAGES LIFE INSURANCE SAVINGS INVESTMENTS FOR A FREE INITIAL CONSULTATION CONTACT


SIMON PHILLIPS Independent Financial Adviser: T: 07484 095 044 E: simon@mycontinuum.co.uk Based in Kingswear, providing coverage across the South West www.mycontinuum.co.uk


Continuum (Financial Services) LLP, Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY T: +44 (0)345 643 0770 E: info@mycontinuum.co.uk www.mycontinuum.co.uk Continuum is a trading name of Continuum (Financial Services) LLP Falcon House, Eagle Road, Langage, Plymouth, PL7 5JY which is authorised and regulated by the Financial Conduct Authority


PENSIONS ESTATE PLANNING


Joint cover, as the name suggests provides life insurance for both of you under the same policy. It costs less than two independent policies, because it is only designed to pay out on the death of the first partner.


All round security


The first step to securing appropriate protection is to arrange a review. Whether you require life cover, critical illness or income protection to replace your earnings if you are unable to work, we can discuss the options and the costs involved in putting together a complete financial safety net, based around your needs.


There are many insurance providers and we can help you secure the bespoke protection plan you need.


Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16  |  Page 17  |  Page 18  |  Page 19  |  Page 20  |  Page 21  |  Page 22  |  Page 23  |  Page 24  |  Page 25  |  Page 26  |  Page 27  |  Page 28  |  Page 29  |  Page 30  |  Page 31  |  Page 32  |  Page 33  |  Page 34  |  Page 35  |  Page 36  |  Page 37  |  Page 38  |  Page 39  |  Page 40  |  Page 41  |  Page 42  |  Page 43  |  Page 44  |  Page 45  |  Page 46  |  Page 47  |  Page 48  |  Page 49  |  Page 50  |  Page 51  |  Page 52  |  Page 53  |  Page 54  |  Page 55  |  Page 56  |  Page 57  |  Page 58  |  Page 59  |  Page 60  |  Page 61  |  Page 62  |  Page 63  |  Page 64  |  Page 65  |  Page 66  |  Page 67  |  Page 68  |  Page 69  |  Page 70  |  Page 71  |  Page 72  |  Page 73  |  Page 74  |  Page 75  |  Page 76  |  Page 77  |  Page 78  |  Page 79  |  Page 80  |  Page 81  |  Page 82  |  Page 83  |  Page 84  |  Page 85  |  Page 86  |  Page 87  |  Page 88  |  Page 89  |  Page 90  |  Page 91  |  Page 92  |  Page 93  |  Page 94  |  Page 95  |  Page 96  |  Page 97  |  Page 98  |  Page 99  |  Page 100  |  Page 101  |  Page 102  |  Page 103  |  Page 104  |  Page 105  |  Page 106  |  Page 107  |  Page 108  |  Page 109  |  Page 110  |  Page 111  |  Page 112  |  Page 113  |  Page 114  |  Page 115  |  Page 116