Wintrust Pension and Investment Consultants

Facts:

The chances of a male aged 20 - 40 in good health, contracting a serious illness before age 65 is 1 in 4.
The chances of a female aged 20 - 40, currently in good health, contracting a serious illness before age 65 is 1 in 7.
The average age of one of the leading protection provider's Specified Illness Claimant in 2000 was 44 and the total amount paid out by that company on these claims was Ł7,920,000
You are 4 times more likely to suffer from a serious illness before age 65 that to die.

Question:

How would you or your family fare should you die or be diagnosed with a serious illness tomorrow and could no longer work?

No matter what walk of life you are in, you will need some form of cover. This heading comes under many guises and Wintrust can provide you or your family with:

A lump sum on your untimely death
A lump sum on your diagnosis with a Serious illness
The repayment of your mortgage should you die or be diagnosed with a Serious Illness
A continuance of your income should you be diagnosed with a serious illness
A lump sum for you to buy your partner's share of the business from his / her next of kin on his / her death or diagnosis of a serious illness
A lump sum to replace lost profits should a key member of your business die

Premiums differ greatly from institution to institution. Wintrust deals impartially with all of the leading life companies and can thus secure the most cost effective premium for your circumstances.

Example 1

Joe is a 35 year old non-smoker. He is married with two children and his wife does not work outside the home. He had previously secured a mortgage protection policy on his home for an amount of EUR90,000. In addition we arrangd EUR250,000 life cove on his life over a 20-year period at a monthly cost of EUR24.85

Sadly Joe died in a car crash. The insurance company paid his widow EUR250,000. As well as this the mortgage on the family home was repaid in full.

Example 2

Mary is a 30-year-old non-smoker. She is a solicitor and is unmarried. She secured income protection for an amount of EUR25,000 per annum. Her current salary is EUR37,500. The cost of this policy was EUR100.30 per month. Mary was able to claim full tax-relief on the premium, thus her net payout to the policy was EUR58.18 per month.

In August 2000, Mary was diagnosed as suffering from leukaemia and as her condition deteriorated could no longer work. Having satisfied the 13-week deferred period, the life company commenced paying Mary a salary of EUR25,000 per annum. This payment will continue to her retirement age or until she returns to work on recovery. The payment will increase with inflation at a rate of 5% per annum. her on-going Pension contributions are also being protected.

Example 3

Dave is a 38-year-old non-smoker. He is a contract cleaner and is married with 3 children. His current salary is EUR26,000. His wife is a child-minder, but only works part-time, earning EUR8,000 per annum. He secured stand-alone serious illness cover in January 1998. This was for an amount of EUR150,000 over a 20-year term. The monthly premium was EUR79.60

In January 2001, Dave suffered a heart attack and had to undergo bypass surgery. Having satisfied the insurance companies medical requirements, a payout of EUR150,000 was made to Dave and his family.

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We invite you to forward your details to us and we shall e-mail you a quote. This is on a totally non-committal basis and we shall not contact you afterwards unless you indicate us to do so. Your details will only be used for quotation purposes and will never be passed on or used for any other reason.

Click here to arrange for a quote to be sent to you.


		Facts: The chances of a male aged 20 - 40 in good health, contracting a serious illness before age 65 is 1 in 4. The chances of a female aged 20 - 40, currently in good health, contracting a serious illness before age 65 is 1 in 7. The average age of one of the leading protection provider's Specified Illness Claimant in 2000 was 44 and the total amount paid out by that company on these claims was Ł7,920,000 You are 4 times more likely to suffer from a serious illness before age 65 that to die. Question: How would you or your family fare should you die or be diagnosed with a serious illness tomorrow and could no longer work? No matter what walk of life you are in, you will need some form of cover. This heading comes under many guises and Wintrust can provide you or your family with: A lump sum on your untimely death A lump sum on your diagnosis with a Serious illness The repayment of your mortgage should you die or be diagnosed with a Serious Illness A continuance of your income should you be diagnosed with a serious illness A lump sum for you to buy your partner's share of the business from his / her next of kin on his / her death or diagnosis of a serious illness A lump sum to replace lost profits should a key member of your business die Premiums differ greatly from institution to institution. Wintrust deals impartially with all of the leading life companies and can thus secure the most cost effective premium for your circumstances. Example 1 Joe is a 35 year old non-smoker. He is married with two children and his wife does not work outside the home. He had previously secured a mortgage protection policy on his home for an amount of EUR90,000. In addition we arrangd EUR250,000 life cove on his life over a 20-year period at a monthly cost of EUR24.85 Sadly Joe died in a car crash. The insurance company paid his widow EUR250,000. As well as this the mortgage on the family home was repaid in full. Example 2 Mary is a 30-year-old non-smoker. She is a solicitor and is unmarried. She secured income protection for an amount of EUR25,000 per annum. Her current salary is EUR37,500. The cost of this policy was EUR100.30 per month. Mary was able to claim full tax-relief on the premium, thus her net payout to the policy was EUR58.18 per month. In August 2000, Mary was diagnosed as suffering from leukaemia and as her condition deteriorated could no longer work. Having satisfied the 13-week deferred period, the life company commenced paying Mary a salary of EUR25,000 per annum. This payment will continue to her retirement age or until she returns to work on recovery. The payment will increase with inflation at a rate of 5% per annum. her on-going Pension contributions are also being protected. Example 3 Dave is a 38-year-old non-smoker. He is a contract cleaner and is married with 3 children. His current salary is EUR26,000. His wife is a child-minder, but only works part-time, earning EUR8,000 per annum. He secured stand-alone serious illness cover in January 1998. This was for an amount of EUR150,000 over a 20-year term. The monthly premium was EUR79.60 In January 2001, Dave suffered a heart attack and had to undergo bypass surgery. Having satisfied the insurance companies medical requirements, a payout of EUR150,000 was made to Dave and his family. -------------------------- We invite you to forward your details to us and we shall e-mail you a quote. This is on a totally non-committal basis and we shall not contact you afterwards unless you indicate us to do so. Your details will only be used for quotation purposes and will never be passed on or used for any other reason. Click here to arrange for a quote to be sent to you.