Words by Graeme Siddons
Life is unpredictable. As a parent, you’ll know this better than anybody. One day you’re working in an office, or walking the dog and sipping on a coffee quietly and all by yourself – the next, you have your own personal shadow telling you the word-for-word summary of the latest episode of Bluey while you’re in the bath. And while life may be unpredictable, it is in these moments of change that we can find the kind of magic that makes it all worthwhile.
Life changes might be tricky to navigate, but they are also the best time to review your financial protection. In a lot of cases, this is done when adding a new addition to your family or buying a new home, but there are a number of other moments which are as equally important points in our lives when it’s important to consider the consequences of an accident, illness or death.
That might sound a bit doom and gloom, but you’ll know what I mean when you suddenly have to consider thoughts like “what will happen to my child if I have an accident?” or “who will pay for Christmas if I’m unable to work?” Putting a plan in place for your family means that everything will be okay if anything should happen to you while you navigate the adventures of life. There are a range of solutions available that can take a load off of your shoulders, with lots of options available to you that will suit your needs, your family, and your budget. Something is better than nothing and it’s never too late to start putting a plan into action. What’s most important is that all the factors are considered and you can make an informed decision.
Reviewing your financial situation doesn’t have to be difficult or demanding. I’m a parent too, and I know exactly how much “spare time” you have! It’s still important though, and it’s my job to help take the pressure off of you so you can focus on your family. A typical financial review will involve a phone call, about twenty minutes of your time, and an understanding of your incoming and outgoing finances. You’ll get a clear picture of what kind of protection might be available to you, and what solutions you can best make use of to protect your family.
Most importantly, there’s no obligation to commit to anything, buy anything or even sign on the dotted line. It doesn’t cost you anything besides time. In exchange, you’ll have a really clear understanding of where you are, what you can plan for, and what options are available to you. I was in a similar position myself a few years ago and I wish I had access to someone to help me through the maze of grown up life events and protection. I didn’t, and it was something I could have really used myself; that’s why I’m so committed to helping other families understand their options. Nobody should have go through the same trials, and we have such an incredible parent network that this is a great place to offer impartial and free advice.
Working with an independent protection advisor means that you get access to unbiased fact and information based on your unique circumstance. I firmly believe in putting your family first, which is why I’ll help you to conduct a financial review and consider all of your options from across the whole market. DILAM is a safe space for parents and families, and I wanted to give something back and extend this service to you all. Nobody should have to face the realities of those “what ifs”, but real life means that these situations occur more often than we’d like to admit. I’m here to help you protect your income, your family and your home to keep them safe.
I have a number of spaces available for a free financial protection review. If this is something you think could benefit you and your family, please go ahead and book your space here:
https://calendly.com/graeme-sygmafs/financial-protection-review
Remember, there’s no obligation and it doesn’t cost you anything to look at the facts.
Graeme Siddons is a qualified, independent mortgage and protection adviser from Sygma Financial Services.
Sygma Financial Services Limited is an appointed representative of New Leaf Distribution Limited who are directly authorised with the Financial Conduct Authority. FCA no. 460421.
