We know that parents have many responsibilities including making sure all is well if the worst happens. One of the greatest risks any person faces is that of serious ill health and long-term disability and the impact that has on one’s income and lifestyle. For a family, the death or incapacity of a parent can have a catastrophic impact on those left behind.

At Estate Capital we care for our clients and their families. We want them to be safe and secure in the knowledge that whatever life throws at them they will be able to cope.

We understand the financial worries that concern people. We have helped many clients protect themselves in the event of serious illness, loss of income due to ill health or injury. We have helped families who sadly lose loved ones, come to terms with their loss with the help of the financial security we put in place for them.

You may be a home owner with the responsibility of paying a mortgage over many years ahead.

It is a great sense of pride and fulfilment to buy a first home or move to a new one. The sense of security is also matched by the feeling of responsibility. The responsibility of having a mortgage brings with it obligation to repay the loan.

One of the greatest risks any person faces is that of serious ill health and long-term disability and the impact that has on one’s income and ability to meet financial commitments. For a family, the death or incapacity of a parent can have a catastrophic impact on those left behind particularly if loans are outstanding.

Ill health is a risk we all live with. Long term illness, injury or incapacity can have a life changing impact particularly if ill health or disability affects one’s ability to earn a living. This is particularly true for the self-employed or business owners.

Even employees working for large organisations may only benefit from one month or three months sick pay. The loss of taxable earnings or net profits from a period of ill health can be protected for the whole of ones working life.