LIFE & FAMILY PROTECTION

If you die, how is your family protected?

Life insurance and family income benefit can help protect your loved ones financially if you die during the policy term.

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PROTECTING YOUR FAMILY AFTER DEATH

What happens financially if you die?

Life insurance can provide a lump sum. Family income benefit can provide regular payments. Both may help loved ones manage their mortgage and everyday bills.

Life insurance

One lump-sum payment

Term life insurance can pay a lump sum if the insured person dies during the policy term. It can help a partner repay a mortgage or cover other costs.

Can be arranged as individual or joint life cover.
A joint-first-death policy normally pays once, on the first death.
The amount of cover can be level or reduce over time, depending on the policy.

Family income benefit

Regular payments for a set period

Rather than a single lump sum, family income benefit generally pays a regular income to beneficiaries following an eligible death, until the policy end date.

Designed to help with family living costs.
The amount and remaining payment period depend on the policy.
May suit households wanting help replacing regular income.

Both products depend on the policy terms, exclusions and a valid claim. Joint and individual cover can work differently.

HOW SI CAN HELP

Simple steps. Clear advice.

01 /

Understand who depends on you

Discuss your mortgage, family and household outgoings.

02 /

Compare payout types

Explore a lump sum versus a regular income.

03 /

Choose the cover to explore

Agree whether a formal protection recommendation is appropriate.

INSURANCE & PROTECTION ENQUIRIES

Talk through your cover with Si.

Book a free introductory conversation about what you want your cover to achieve.

Discuss the people and payments you want to protect
Understand different policy types and possible exclusions
Agree what to compare next

Prefer to speak directly? Call 07546 213491 or email Simon.

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EXPLORE FIRST

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Insurance & protection check

Get your free protection check Informational check only. It does not replace personalised financial advice.