Family protection
Your home, your family, your lifestyle — these are the things that matter most. But how well protected are they if the unexpected happens?
At Futures Assured, we’ll take the time to understand your circumstances and what you care about most. Together, we’ll help make sure the most suitable cover is in place — so the people you love are looked after, whatever life brings.
Life insurance is often overlooked—but for many people, it protects one of the most important things of all: their family’s financial security.
While homes and possessions are commonly insured, the income that supports everything else is often less protected. Life insurance can’t replace a loved one, but it can help ease the financial impact and provide stability for those left behind.
Your need for cover can change over time. Whether you’re buying your first home, starting a family, planning for inheritance tax, or simply looking to cover funeral costs, having the right protection in place can provide valuable peace of mind.
You might be wondering
- How much cover do I need?
- How long should my policy last?
- What type of cover is most suitable for my circumstances?
- Should my cover be linked to my mortgage?
- Do I need additional protection alongside life insurance?
Understanding your options
- Level Term Assurance – designed to provide a fixed lump sum for a set period
- Decreasing Term Assurance – often used alongside a repayment mortgage
- Family Income Benefit – designed to pay a regular income instead of a lump sum
- Whole of Life Cover – designed to provide cover for your entire lifetime
Choosing the most suitable option depends on your circumstances, priorities and long-term plans.
Keeping your protection appropriate
Your circumstances will change over time, so it’s important to review your cover regularly to know whether it continues to meet your needs.
At Futures Assured, we’ll help you understand your options, assess your needs, and put the most suitable protection in place for you and your family.
Policy terms, conditions and exclusions will apply.
Protect what matters most.
Put the right protection in place today.
Serious illness can have a significant impact—not just on your health, but on your finances and your family.
Critical illness cover is designed to provide financial support at a time when you may be unable to work or facing additional expenses. It is designed to pay out a tax-free lump sum (or, in some cases, an income) if you are diagnosed with a specified condition during the term of the policy.
You might be wondering
- What conditions are covered?
- How much cover do I need?
- Should this be separate from life insurance?
- How long should the policy last?
- Would it cover my financial commitments?
Understanding your cover
Critical illness policies typically cover a range of serious conditions, including heart attack, stroke, certain cancers, major organ transplant and neurological conditions — though the exact list varies between providers. The definitions used can also differ significantly, affecting whether a claim would be paid.
This is why choosing the most appropriate policy matters as much as having one in the first place. We’ll compare providers carefully to help make sure your cover is as comprehensive as it needs to be.
Putting the suitable cover in place
Critical illness cover should be considered alongside your wider financial plan, including your income, savings and other protection arrangements.
At Futures Assured, we’ll help you understand the options available, compare providers, and ensure your cover is aligned with your needs.
Policy terms, conditions and exclusions will apply.
Financial security when it matters most.
Put your protection in place today.
Your ability to earn an income is one of your most valuable financial assets.
If you were unable to work due to illness or injury, how would you continue to meet your financial commitments?
Income protection is designed to provide a regular income if you’re unable to work, helping you maintain your lifestyle and cover essential expenses.
You might be wondering
- How much income would I receive?
- When would payments start?
- How long would the policy pay out for?
- What level of cover is appropriate for me?
How income protection works
- A monthly benefit based on your income
- A deferred period before payments begin
- A chosen term for how long the policy runs
Finding the right balance between cost and level of cover is key.
Keeping your income protected
Your income, lifestyle and commitments can change over time, so it’s important to ensure your cover remains appropriate.
At Futures Assured, we’ll help you understand your options and put a plan in place that helps protect your income and supports your financial security.
Policy terms, conditions and exclusions will apply.
Protect your income, protect your lifestyle.
Put your protection in place today.
