The need for financial protection through life insurance and critical illness cover can be of paramount importance. It should be considered how your family would cope financially in the event of your untimely death or on the diagnosis of a serious illness.
McSherry Halliday, as Independent Financial Advisers, can search the whole of the protection market for the most suitable policies and the most competitive terms available.
Current statistics show that you are more likely to suffer a serious illness than to die before you retire. Critical illness and income replacement insurance can ease the worry for you and your family at such a time by protecting you against the loss of income or providing a lump sum to pay off any outstanding liabilities.
McSherry Halliday can also offer solutions for businesses. The most prudent business people ensure that their business property, for example, cars and machinery are insured, however many do not insure the most expensive asset of any business which is its people. It is worth considering the effect on your business if one of the key employees were to die or become seriously ill. Shareholder protection could also be vital to safeguard the ownership of your business.
As Independent Financial Advisers, we can provide you with details of the most cost effective and competitive products to meet your requirements.
The first meeting is at our expense and typically with insurance contracts the commission payment is paid to the Firm when a policy is arranged. Depending on the arrangements, it is not uncommon that this commission payment is sufficient for the advice and setup of the relevant policy, however we will still offer the ability to pay by fee, if this is preferable. Details of the exact cost would be explained at the initial meeting.
If you have a query or wish for some advice please make an enquiry or contact one of our offices directly and a member of our team will be happy to assist.