Insurance Options
Protecting your future
Because life is unpredictable, protecting your wealth and looking after you and your family’s health and well being is as important as building your finances. Should the worst-case scenario happen and you pass away without even making a will, nominating beneficiaries or even using the trust facilities that are available to you, your assets may not be distributed to the people you intend.
Horizon Wealth Management can assist you with setting up insurance plans to cover Critical Illness, Income Protection, Life Insurance and Global Health Cover.
Global Health Cover
We understand the importance of looking after your family while living overseas.
Although most employers provide some health cover you may have specific needs that aren’t included in your current policy. For example, dental care, maternity cover and assistance with chronic health conditions are not always covered.
It’s also important to consider that if you work, or plan to work, on a consultancy basis or on short term contracts then there may be periods where you and your family have no health cover.
Horizon Wealth Management can devise a health cover plan that meets you and your family’s unique requirements.
Contact our team directly if you would like more information.
Life Insurance
Life insurance is often overlooked but if your family depends on your income then life Insurance must be part of your financial planning.
Even if you already have insurance it may not be enough.
When did you set up the plan Have any of your circumstances changed since then? Have you had children or more children? Have you moved to a larger home or changed your company or career? More importantly, what does it costs to run your family? What would happen if the main provider were no longer alive?
Critical Illness Insurance
It can be uncomfortable to think about contracting a major illness, but if you don’t have insurance in place then the consequences could be dire. Your mortgage will still need to be paid as well as any loan or credit card bills. If you have family responsibilities then you also have to ensure that your dependents’ needs are covered.
Income Protection
If you are young and healthy then being unable to work because of sickness or injury may seem a remote possibility. However, it’s important to plan for the unexpected. All of your financial obligations will continue even if you are unable to work.
Income protection insurance will replace your income if you are unable to work for a long or short period of time. It is paid to you monthly like a salary to enable you to continue to live as normal a life as possible.
