This is the cornerstone of all financial planning it provides your loved ones with the ability to continue to reach the goals and aspirations that you have for them.

How would your family or your busincess cope financially if you were to die? It's not a subject we like to think or talk about, but it is fundamentally a very important issue for all of us. None of us would like to leave our family facing financial difficulties. That's why life insurance is so important. It can provide a cash sum which could give your family an income or even help pay off the mortgage.

It also makes sense to think about what would happen if you suffered critical illness, such as cancer, heart attack or a major organ transplant, or had an accident that stopped you working for a while. We offer plans that help to protect you and your family in a range of circumstances - plans that will keep safe what's precious to you.

JEM Financial Planning can offer a range of solutions that can help to protect you and your family financially in a range of circumstances. Here are some of the types of protection we can help you with:

• Life Cover
• Critical Illness Cover
• Income Protection
• Business Protection
• Family Income Benefit
• Mortgage Payment Protection Insurance (MPPI)

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