Everyone should invest in a good life and health insurance policies. Whether you already have a policy or are looking into one, we can help you get the most suitable deal.
Life and health insurance are often overlooked when creating a financial plan. However, they are essential because you never know what could happen in the future. The simple truth is that anyone can become ill, or even die, at any time.
Having life and health cover means the funds are available to deal with any unfortunate event, whether that means having money to cover medical treatment and maintain quality of life, or money for your dependents to help them after you’re gone. It’s a subject most people don’t like to think about. However, if the worst were to happen, you’ll be glad that you did.
We’re here to help because it’s not just about getting the cheapest deal or the widest possible cover. Your life and health cover are a critical part of your overall financial planning. We can help you consider all the necessary elements, integrate your insurance into your financial plan and get the most suitable deal for you.
Life insurance is designed to pay out on your death. The funds go to a specified beneficiary and help them deal with the costs of a funeral and replace a significant amount of future earnings. In short, it allows you to care for your loved ones even after you’ve gone.
In contrast, health insurance will cover the cost of diagnosing an issue, being treated as either an inpatient or an outpatient, and any other associated costs. While treatment is available on the NHS, having health insurance allows you to access private care instantly. It can make a significant difference in treatment times and recovery.
There are plenty of businesses offering life and health cover, along with online calculators to let you see the benefits and potential payouts. However, here at Lynas Vokes, we understand that your insurance is part of your financial plan.
We’ll evaluate your unique needs, help you create the most appropriate financial plan and find the most suitable life and health cover for your circumstances. Best of all, we’ll monitor your plan and let you know when it needs to be adjusted.
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Choosing life and health cover requires you to understand the different options available. Life insurance comes in two forms: permanent and term. A term life insurance policy will provide you with life cover for a set period. This can be anything between 10 and 30 years. The policy pays out if you die while it’s active, it doesn’t pay out after it’s expired. Permanent life insurance lasts for your lifetime and will pay out a death benefit when you die. There are different types of permanent life policies and we can guide you through them.
To choose a health insurance policy you need to know how much excess you’re willing to pay on a claim and how much of your bills you want paid. For example, you can restrict coverage to inpatient or outpatient treatments. Some policies will also let you define how far you’re prepared to go for treatment.
We can help you decide what is most important to you and which elements should be included in your life and health cover. We’ll also locate the most suitable deals and regularly review your policies to ensure your needs are being met.
Frequently asked questions
Understandably, you have questions. The following are the most frequently asked, however, if you don’t find your question and the answer here, don’t hesitate to contact us. We can help you with any query, no matter how big or small.
It’s the most effective way to prepare your finances for future issues. Of course, having life insurance also helps your dependents if you die. That’s particularly reassuring if you die unexpectedly.
The questions for life and health cover are remarkably similar. Insurers will want to know your height, weight, date of birth, medical history (and that of your immediate family) and lifestyle choices. Smoking and drinking often will push your premium up.
The best approach is to seek professional help. The small print in any policy can make a significant difference to any claim. We’re well-versed in dissecting the fine details and finding the most suitable policy for you.
There are different types of permanent life insurance. Most offer death benefits and a savings element. It’s more expensive than term insurance but generally a good option if you have long-term dependents. We can talk you through the options and which makes most sense for your situation.
Typically, health insurance policies don’t cover disabilities after the initial medical treatment. To cover disabilities you’ll need a separate disability insurance. We can help you decide if that’s required or not.
We have decades of experience handling life and health insurance policies along with all your other financial concerns. Plus, we’re dedicated to finding the most suitable solution for you.
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Related links
At Lynas Vokes, we offer a wide range of services to help you at every stage of your life’s journey. Click on the links below to view our recommended services or view our Services menu for our full range.
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Lynas Vokes has been operating for over 30 years. We are experienced in financial planning, including life and health cover. We’ll discuss your situation with you, devise the best plan, oversee it and give you regular updates. Our sole aim is to ensure you are well looked after and give you the support you need to reach your goals, whatever they are.
Give us a call now to discuss your life and health insurance needs. We can also talk about your investment strategy, estate planning, tax planning and even your pension planning.
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