Kearsley Financial Management recognises that when you first have children there is very little “me time”. Whether you are a working parent or you stay at home, balancing childcare, after-school activities and running the home leaves little time or money for yourself.

Before you know it they will be off your hands and having families of their own, but what if something went wrong beforehand? What if you had an accident, became seriously ill, unable to work or even died?

• Who would look after your children?
• Could they afford to pay the mortgage, the bills, send the children to after-school clubs and go on holiday?
• Have you informed your loved ones of your wishes for your children and who would organise everything at such a distressing time?

You probably have some benefits through work and most people take out life insurance when they buy a house but;

• Are your premiums competitive?
• Have things changed since then, have you had more children?
• Have you altered your mortgage, borrowed more, extended the term?
• Have you changed jobs, received a pay rise?
• Are your death-in-service benefits protected against future changes?

Kearsley Financial Management understands how busy you are and that there are many calls on your money at the moment. However, a review of your protection programme will make sure your current arrangements are just right or point out any gaps and potential cost savings. It won’t take long and could be the best “me time” you find for your children.