Clearly there are many factors to consider when choosing a life assurance policy. What sort of cover do you need? How much cover do you need? Do you need basic life assurance or more comprehensive life & critical illness cover, and what about income protection to cover accidents or illnesses which prevent you from working?

The first step is to establish how much cover you will need, and for what purpose. Will your family need financial support after you die? Do you wish to arrange for your mortgage to be paid off, or your children's university education be paid for? Perhaps you wish to ensure your business partner can survive the upheaval caused by your death.

For a relatively small premium, insurance can provide a cash sum or series of annual payments which will ensure that families and businesses survive should one of the above events occur.

Only by a thorough analysis of your current situation and an understanding of your needs and aspirations can the correct cover be recommended and arranged.

If you would like a quote or further details, please contact us on 711666 in either Guernsey or Jersey or go to the 'call us back' tab, fill in your details and one of our advisers will contact you.