NFU Mutual – Protection when it matters most

PROTECTION WHEN IT MATTERS MOST

Ifyouwantpeaceofmindthatyouandyourfamilywould copefinanciallyfollowingadeathorserious illness then nowis thetimetoconsiderlifeandcriticalillness insurance. According to the Association ofBritish Insurer’s December 2019 KeyFacts report, the insurance industrypaidout £5.3 billion in protection claims in 2018 - an average of£14.5 million paideveryday. We’ve teamedup with AIG to bring you a wide range of protection coverto help give you peace ofmindshouldthe worst everhappen. So customers can rest assuredtheywill have financial support when theyneed it most. SUE AND MARTIN’S STORY When Sue Ansell became criticallyill, it was a tough time forthe whole family. HusbandMartin, pensions expert at NFU Mutual, explains whyhaving protection coverwas vital . “Around25 years ago, Sue andI were moving to another house, so we increasedourmortgage to £72,000. “We were askedifwe wouldlike to protect ourselves, not just in the event ofdying, but also in the event ofa critical illness. We thought it unlikelythat both ofus wouldever have a critical illness at the same time so we decidedto do half, £36,000 as this wouldcoverhalfofthe mortgag e should anything happen. “Sometime later, Sue began to feel unwell. She wouldlose the abilityto speakorunderstandpeople —just fora minute ortwo. We hadit investigated, andthe hospital toldus it was a tumourin the brain, andit wouldkill herunless we allowedthe doctors to operate. At the time, you’re facing the uncertaintyofthe tumour, the operation, the children —the last thing you want, on top ofall that, is to have financial worry. “Luckily, the critical illness coverdidexactlywhat it saidon the tin. It gave us a lump sum that allowedus to relyon one income ratherthan the two. “The pressure ofthe mortgage was easedandit tookaway such a great part ofthe worries we faced. “ThankfullySue has made a recovery. She is able to live her life anddo the things tha t reallymatter, like seeing herkids growup. “You can’t insure against emotional problems but you can insure against financial ones. Do what you can affordand reviewit regularly.” YOUNEED TO KNOW Critical illness coverprovides protection forillnesses and conditions specifiedin the policy. NFU Mutual Financial Advisers advise on AIG Life protection products. GETINTOUCH Ifyou wouldlike to knowmore about protecting you and yourfamily, speakto yourlocal Bourne NFU Mutual agency on 01778 422218 who will put you in touch with yourpersonal Financial Adviser. NFU Mutual Financial Advisers advise on NFU Mutual products andselectedproducts from specialist providers. Whenyoucontactus we’llexplainthe advice services we offer andthe charges.