In the unfortunate event that you fall seriously ill, it could cause financial issues at a very difficult time for you and your loved ones. This is why your life and serious illness cover is so important. Although you may qualify for cover now, as you advance in age and more health problems emerge, underwriting can become more difficult.

Here at UFS we understand that everybody’s situation is unique and their insurance needs reflect that. We can offer you the advice you need to tailor your policies to ensure maximum coverage and give you the peace of mind you deserve.

Please Note: The calculator and all of the illustrative figures are provided by Friends First and are estimates only. It has been designed to provide guideline indicators on your protection requirements. It is recommended that you speak to your broker before buying any financial product.

Life Cover

Life Cover – provides a benefit to your family or other named beneficiaries if you die within the term of the insurance contract. The benefit comes through as a once off lump sum in the event of your death. You can choose how long you want your cover to last, for example until all your children have finished college or a certain age. Alternatively, you can be covered indefinitely.

Serious Illness Cover

Serious Illness Cover – pays you a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers. Serious illness cover can be taken as a stand-alone policy, meaning serious illness cover can be paid independently of any life cover. At Unique Financial Services, we will ensure that you get the best policy and coverage for the best price possible.

Cancer Cover

Cancer Cover – is similar to Serious Illness Cover but instead focuses on specific cancer-related illnesses. Cancer Cover pays out a lump-sum if you are diagnosed with cancer, as defined within the policy details. It tends to be more affordable as it lacks the breadth of Serious Illness Cover but still grants peace of mind to those who are concerned about this specific illness