Family Protection

Protecting your family’s financial circumstances in the event of death or serious illness is the number 1 priority for all persons who have dependants. WFSL believe that a family suffers enough emotional trauma with the death of a spouse / partner without having to incur additional trauma in the form of financial worries and difficulties.

Life Cover

Although we believe the purpose of Life Cover is not to provide a financial windfall to the surviving spouse / partner we do however hold a strongly held philosophy as follows:

• A surviving spouse / partner should not have to struggle to make ends meet.
• A surviving spouse / partner should not be forced into the sale of any hard earned assets to replace lost income.
• A surviving spouse / partner should not be forced to abandon any previously held long term financial goals.

We will calculate the required level of cover specific to your needs and advise on the length of time a policy should be taken out for. We will shop around to get you the cheapest term assurance rate in the marketplace.

Mortgage Protection

This cover is required by your Bank or Building Society to be used as security for your mortgage. Cover can be arranged on a reducing or level basis and can incorporate critical illness if required.

Our access to all the major Life Assurance Companies means we will get you the cheapest cover available without the need for you to shop around.

Critical Illness

Critical Illness Cover provides a lump sum payment on the diagnosis and certification of a prescribed serious illness.

With this cover, you make a monthly payment which guarantees you a lump sum if you suffer from one of the specified critical illnesses.

This can help with medical bills, mortgage repayments, childcare costs and day to day expenses, meaning you can concentrate on getting back to full health once again.

Some of the most typical serious illnesses covered would include the following:

• Cancer
• Benign Brain Tumour
• Coma
• Heart Attack
• Some Heart Surgery Procedures
• Kidney Failure (end stage)
• Liver Failure (end stage)
• Stroke
• Rheumatoid Arthritis

Health Insurance

WFSL believes every individual should have Health Insurance to meet the cost of medical treatment in the event of unforseen serious illness.

We offer VIVAS Health Insurance with a 10% discount rate for joiners. In most cases VIVAS will be cheaper than your existing cover and in most cases the benefits VIVAS offers will be superior to your existing benefits.

The key reasons to switch to VIVAS Health Cover are as follows:

• Cheaper Premiums
• Lower Excess Levels
• Only health insurer to be regulated by the Financial Regulator as an insurance company
• Cover for more hospitals & treatment centres than any other health insurer
• Best scan cover available
• Unique cover for laser eye surgery & teeth whitening
• Comprehensive maternity benefits
• Home help after major operations

Contact us to see if we can make a saving on your existing health insurance plan and improve your existing level of benefits. Remember, switching is easy. There are no long forms to complete and no new waiting period involved.