{"id":620,"date":"2020-05-07T11:29:06","date_gmt":"2020-05-07T09:29:06","guid":{"rendered":"https:\/\/pfadvisors.co.uk\/?p=620"},"modified":"2023-03-28T10:31:30","modified_gmt":"2023-03-28T08:31:30","slug":"spotlight-on-protection","status":"publish","type":"post","link":"https:\/\/pfadvisors.co.uk\/en\/spotlight-on-protection\/","title":{"rendered":"Spotlight on protection"},"content":{"rendered":"

The coronavirus outbreak has hit businesses across the UK, leaving many individuals and families in a precarious financial position. The crisis has shown that financial hardship can strike when we least expect it, demonstrating the importance of protection cover.<\/em><\/p>\n

Although billions have been pledged to support employees and businesses, some have slipped through the cracks of eligibility criteria. For others, the help is inadequate.<\/p>\n

A financial lifeline<\/strong><\/p>\n

Never have we been so starkly reminded of the need for the safety net of protection cover. A recent YouGov1 survey about the pandemic, revealed that nearly a third (32%) of Brits currently fear for their future. Cover such as life insurance, critical illness cover and income protection can help lessen the blow of unexpected events. Note that some policies have qualifying periods that may rule out claims made within a certain period of taking out the policy or of becoming too ill to work.<\/p>\n

Don\u2019t make assumptions<\/strong><\/p>\n

According to Royal London\u2019s2 State of the Protection Nation report, just 11% of people believe they\u2019re likely to go on sick leave for more than three months. However, it also revealed that the actual probability of this is much higher, at 26% for men and 37% for women. Conversely, a fifth of respondents believe they\u2019re likely to die during their working lives, even though the probability of this is actually much lower (4% and 3% for men and women, respectively). It\u2019s therefore unwise to make assumptions about your need for protection cover. Critical illness and income protection cover could be just as valuable as a life insurance policy.<\/p>\n

A weight off your mind<\/strong><\/p>\n

If you\u2019re unable to work due to illness or injury, financial worries could hinder your recovery. Get in touch to chat about the best protection options for your individual circumstances.<\/p>\n

1YouGov, 2020<\/p>\n

2Royal London, 2019<\/p>\n

\ud83d\udea8 Data accurate as of the date of publication \u2013 07.05.2020.<\/p>\n

\ud83d\udea8 The above material is for informational purposes only and does not constitute a sales offer or financial advice. Before taking out any insurance, credit agreement or other financial product, you should obtain individual advice on your requirements and the general terms of the contract.<\/p>\n

Source: Quilter Financial Planning – Essentially Mortgages Q2 2020<\/p>\n","protected":false},"excerpt":{"rendered":"

The coronavirus outbreak has hit businesses across the UK, leaving many individuals and families in a precarious financial position. The crisis has shown that financial hardship can strike when we least expect it, demonstrating the importance of protection cover. Although billions have been pledged to support employees and businesses, some have slipped through the cracks […]<\/p>\n","protected":false},"author":1,"featured_media":615,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28],"tags":[],"class_list":["post-620","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive"],"acf":[],"yoast_head":"\nSpotlight on protection - Prestige Financial Advisers<\/title>\n<meta name=\"description\" content=\"Convid-19 pokaza\u0142, \u017ce trudno\u015bci finansowe mog\u0105 uderzy\u0107, gdy najmniej si\u0119 tego spodziewamy, podkre\u015blaj\u0105c rol\u0119 ubezpieczenia w UK.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pfadvisors.co.uk\/en\/spotlight-on-protection\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Spotlight on protection - 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