One of the most surprising things I notice as a financial advisor is how many people that insure their gadgets, insure their pets, insure their houses and they never think of insuring what is probably the most important asset themselves.

What happens if you get sick in the morning? Who is going to pay the bills?

If you think of what you earn every year and say you earn €50,000 a year and you have 20 years left to work, that's a million euros that you need to insure. So if you get a critical illness, where is the money going to come from? Who's going to pay the bills?

One way of doing this would be to take out a critical illness policy and for a relatively modest payment per month depending on your circumstances. You can receive a tax free lump sum payment when you're diagnosed with a particular critical illness.

Feel free to contact our offices to discuss this or any other protection product.