Protect
Protect my Family
Protect the people who matter most.
A Non-FISICS Family Protection Plan is for a family whose members, assets and financial lives are wholly within one country.
What does this service involve?
The plan asks what would happen if death, serious illness, incapacity or another major event reduced the family's financial security, then puts suitable protection and ownership arrangements in place under that single country's rules so dependants are not left exposed.
Quantify
Quantify the family's income needs, debts and major future commitments within that country.
Review
Review existing life, illness and other relevant protection available within that country and identify any shortfall.
Consider
Consider ownership, beneficiaries and how benefits would reach the intended family members.
Review
Review protection whenever family, income, debt or employment circumstances change.
Which best describes you today?
You may be considering this because your circumstances have changed, you're planning ahead, or you simply want greater clarity.
You are the main earner
Your family relies heavily on your income, and you want to know they would be financially secure without it.
Your family has recently changed
A new baby, a new home or a new mortgage has made you realise your protection may need to change too.
You have young children
You want to make sure your children are financially looked after if something happens to you.
You have been meaning to sort it
You know you should have life cover, but it has never quite made it to the top of the list.
Your existing cover may be out of date
You have protection in place, but your income, family or commitments have changed since you set it up.
What could happen without a plan?
Your savings could be used up
Money you had planned to use for your children's future, retirement or other goals could instead go towards everyday bills.
Your children could face fewer choices
Without enough financial support, plans for their education, activities or future could become harder to afford.
Your partner may have to change their plans
They could need to return to work earlier, reduce their hours or make other changes they had not planned for.
A difficult time could become harder
Your family would already be dealing with a major loss, while also having to work out how to manage financially.
Which best describes you today?
You may be considering this because your circumstances have changed, you’re planning ahead, or you simply want greater clarity.
What could happen without a plan?
You are the main earner
Your family relies heavily on your income, and you want to know they would be financially secure without it.
Your savings could be used up
Money you had planned to use for your children's future, retirement or other goals could instead go towards everyday bills.
Your family has recently changed
A new baby, a new home or a new mortgage has made you realise your protection may need to change too.
Your children could face fewer choices
Without enough financial support, plans for their education, activities or future could become harder to afford.
You have young children
You want to make sure your children are financially looked after if something happens to you.
Your partner may have to change their plans
They could need to return to work earlier, reduce their hours or make other changes they had not planned for.
You have been meaning to sort it
You know you should have life cover, but it has never quite made it to the top of the list.
A difficult time could become harder
Your family would already be dealing with a major loss, while also having to work out how to manage financially.
Your existing cover may be out of date
You have protection in place, but your income, family or commitments have changed since you set it up.
