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Stuart Ritchie

By: Stuart Ritchie

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January 30th, 2019

It would NEVER happen to me (or could it?)

Financial Planning | Financial Education

No one likes to think about mortality.

Last week, I published a blog asking how old you’ll be when you die

(And some didn’t like it).

But the reality is harsh and unavoidable.

It can be even harsher for those you leave behind…

Life is a wonderful contradiction.

On the one hand, we’re all living longer than ever.

On the other, more people are dying from accidental deaths, heart diseases and strokes.

(And from a younger age too).
Emergancy

Did you know…

  • In 2016, over 14 million deaths in the world were caused by heart disease and strokes
  • Approximately 35 million people die in road traffic accidents every year
  • Nearly 6 million deaths a year are attributed to smoking-related illnesses
  • 7 in 10 U.S. households with children under 18 would not be able to meet expenses if the primary salary earner died

Sometimes life boils down to luck…

No matter how fit, young or healthy you are.

So what if you die prematurely without having adequate cover in place?

You could leave your family in a vulnerable financial position.

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For most of us…

We have car insurance (for the likelihood of an accident, theft or breakdown taking place)...

Home insurance (to cover the material goods we hold dear)…

And medical insurance (that protects us if we fall ill).

With life cover, you get protection for your loved ones

So your children can finish college if you’re not around to pay for it…

And your family can maintain their standard of living without your regular income.

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It’s vital to plan for any, and all, eventualities.

It’s also important to know that different countries have different laws pertaining to deaths and dues.

Loans, fines and credit cards usually need to be paid by surviving family members.

Investments, estates and trusts have long approval processes…

Meaning it could be months or years before your loved ones are able to access what’s inevitably theirs.

I’m not saying all this to paint a picture of doom and gloom…

On the contrary, I’m trying to show you that these financial burdens can be avoided…

Or, in the very least, alleviated.

Today, your premiums are the cheapest they’ll ever be

Right now, you’re at your youngest.

As you get older, the expected premiums increase every year.

So the earlier you start a protection plan, the less it will cost you on a monthly or annual basis.

Simply by taking action today, you can secure your loved ones’ financial wellbeing.

In the event of your death, they’ll receive a lump sum to help pay for expenses and maintain their standard of living.

What do you have to lose?

(Besides 15-minutes of your time – which is all it takes to find out more).

Each call is FREE and comes with no obligation.

We’re here to put your mind at ease.

Book a 15-minute discovery call

About Stuart Ritchie

Stuart Ritchie is a Chartered Financial Planner, APFS, Chartered Wealth Manager, Chartered FCSI

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