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Risk management - what is it?

We might not like to admit it, but whilst you work hard to achieve your financial objectives, no one can control how your health impacts those goals. We offer risk management planning; helping you evaluate your risks and prepare for them, so you can achieve all the things you want from life, even if the worst happens.
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What should I consider in risk management planning?

In our industry, advice on risk management is often based upon product areas such as income protection insurance or life and/or critical illness cover. However, at Unividual we advise people based on their objectives not simply the products we have available. These risks may include being able to pay your mortgage, replace your earnings if you can’t work or provide for your family if you no longer are able to do so. Whatever your concerns may be, we will help by providing the cover you need for the risks you face.

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Is the cover worth the cost?

Often in the early stages of our adult lives, we can feel like we are invincible and that nothing will ever go wrong. Only when we reach a major life event that affects people we know, or worse, ourselves, then the reality of health impacts really hit home. If we do not buy into these concepts as soon as possible, eventually, “I will do it tomorrow” will mean that tomorrow never comes. We hope that when we put in place risk management products that match your risks, you never need to benefit from the premiums you pay. However, we put them in place so that if the worst does happen, then you and your family are fully prepared financially; a cost definitely worth covering.

If you’re thinking about critical illness insurance or income protection insurance, Unividual can help you find the right products to cover your risks. Speak to one of our risk management advisers today.

Plan your income protection & critical illness cover

How to plan your finances when in a relationship

Not everyone in a relationship is in a “2.4 children” situation and it is important you understand what you both want out of life and how you are going to achieve it. Some people do or don’t have children, couples have a choice as to whether they co-habit, get married or have a civil partnership, others have older family members to care for or you might be going through a divorce. Everyone is unique and information on the web can be quite generic. Listen to this interview on Radio Bath with Unividual’s Marketing Director, Cherie-Anne Baxter and Chartered Financial Planner, Greg Harris to help you get started on thinking about how to manage your money and protect your future as a team. Many people in relationships find themselves confused and lost financially when bad things happen to their partner, or when the relationship ends. Knowing how to protect your personal net worth will help you feel more secure no matter what happens.

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