What would happen if you were unable to work, short-term or permanently, could you still pay the bills? Most of us take out personal insurance when we are in perfect health, to protect what we care about should we encounter life’s speedbumps. In many cases, that insurance is only tested when the unexpected happens. So, it’s important to get it right first time, with room for regular updates as your life changes. We take the time to find out what your life would look like should something happen, then advise on the best type of cover for your circumstances. You’ll avoid the pitfalls of under or over insuring, and you’ll know everything will go smoothly should you need to make a claim.