Protect
Protect My Family
Protect the people who matter, wherever life takes you.
A FISICS Family Protection Plan has the same purpose, but international characteristics can affect whether protection remains valid, how benefits are paid and which laws or taxes apply.
What does this service involve?
The plan involves checking the insured person, spouse, children or other beneficiaries may live abroad, hold another nationality, move overseas or have assets and obligations in another country.
Check
Check whether cover remains valid and payable if the insured person or family changes country.
Consider
Consider the tax treatment of premiums and benefits in all relevant jurisdictions.
Review
Review beneficiary, trust, guardianship, succession and legal issues when family members live in different countries.
Confirm
Confirm that policies and ownership structures remain appropriate before an international move or other overseas 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Your existing cover may be out of date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.
