Personal Protection:

Our advice extends to include many forms of protection including

• Life Assurance to provide financial protection for your family in the event of death.

• Critical Illness cover which provides a lump sum in the event of diagnosis of specified illnesses.*

• Income Protection to cover loss of earnings in the event of incapacity through accident or ill health. * *

• Private Medical Insurance. * * *

• Personal Accident, Sickness and Redundancy policies

* Over 45% of female critical illness claimants are aged 40 or younger, compared to 34% of males.  This is largely due to the incidence of breast cancer in women.  36% Of male claimants are in the 41 - 50 age group. (Source ERC Frankona)

* * More than half a million people have been off work for over 5 years, and over 1.8 million people of working age will have been off work for at least 6 months at any one time through sickness or disability.  (Source D.S.S. statistics, 1997)

* * * In 1997 / 1998, 50,505 NHS operations were cancelled.  Of those, 7,250 were not readmitted within in a month, as required by the patients charter.  The patients charter also requires all patients in England to be treated within 18 months of going on a waiting list (Source D.o.H.)