FINANCIAL PROTECTION
Making sure you are safe in the knowledge you are protected
Life is unpredictable. We will help protect you for the unexpected
BE PREPARED
Life is inherently unpredictable; even the most meticulous planning can't predict the future. So it is important to be prepared for whatever happens.
Although contemplating illness or death is never pleasant, it’s a reality that cannot be ignored in financial planning. In the event of unforeseen circumstances, it’s vital to ensure that you or your family can manage financially, covering essential expenses such as bills, debts, and other commitments. This is where financial protection plays a vital role.
Financial planning often centres around core aspects such as mortgages, retirement savings, or investments, with financial protection sometimes overlooked. However, this component is essential to safeguarding your wealth and ensuring the well-being of your loved ones in the face of unexpected setbacks.
OUR APPROACH
Working together to make sure you, your family and your business are protected at every turn.
There’s a wise adage that suggests focusing on protecting before investing. Insurance is a potent and economical means of securing your family and business. However, selecting the most suitable products and appropriate coverage levels for your situation can be overwhelming. Our responsibility is to pinpoint the ideal policies and guarantees that you are neither under or over-insured.
In business, key person insurance can effectively safeguard against losing essential personnel. Additionally, medical insurance can help look after your family and employees in the long run. We’ll help you in looking over all the possibilities to make sure you’re fully equipped for the future.
GOOD TO KNOW
We will help you answer all your financial protection questions, but below are a few we get asked regularly...
If you’re concerned about the potential disruption caused by losing key personnel, we can assist you in minimising its impact. Ruby Financial’s team of independent and experienced advisers can provide guidance on various services, including Life cover, Share Protection policies, and Business Loan protection. You can increase your resilience in unexpected events by ensuring that your business is well-protected.
Anyone who has financial dependents, such as a spouse or children, should consider financial protection. This includes individuals who have mortgages, loans, or other financial commitments that would require ongoing payments even in the event of an unexpected illness or death. Business owners may also consider financial protection to safeguard their operations against unforeseen events.
Yes, you can choose the amount of financial protection that suits your needs. The amount of coverage you require will depend on factors such as your financial commitments, your family’s needs, and your personal circumstances. Consider the cost of living, the length of time you need protection, and any potential future expenses, such as university fees for your children.
The cost of financial protection will depend on various factors, such as your age, health, occupation, and the level of coverage you require. Generally, the younger and healthier you are, the lower the cost of coverage will be. We do the shopping around for you so you have one point of contact, and compare different policies to find the most suitable and cost-effective coverage for your needs.
CONTACT US
Guiding your financial journey
We offer a range of services to set your financial wellness on the right path, but the first step of the journey is getting to know you.