We all recognise that you have to insure your house or your car, we even know we need to cover our debts but how many people truly understand the impact of losing a loved one. The emotional loss is terrible enough but the financial consequences can be devastating. Imagine losing a spouses’ income or support? The effect can leave the family struggling to cope with the pressures of gas bills, council tax and your debt payments. Simple cover can alleviate this with one comfortable tax free lump sum or even a monthly payment for a fixed period. Serious Illness cover, critical illness cover, life cover or family income benefit, the right plan can be tailored to your pocket and your needs.