Aspen Financial ServicesProtecting our children, our loved ones, and ourselves is a fundamental part of life, so it’s really important to ensure that our income – which effectively funds everything that we hold dear – is protected as well. With that in mind, Michael Bower from Aspen Financial Services has pulled together this guide to some of the key things to consider. If you’d like to discuss the options available to your family further, then just give him a call on 020 8943 8121.

“When it comes to protecting your family financially, assessing the protection options available to you means that if the worst does happen, your lifestyle won’t grind to a halt. There are many things to consider, such as ensuring that your life protection has kept pace with your income and circumstances; that your mortgage is covered if you lose your job or cannot work due to long-term illness; that your needs are reviewed regularly to make sure you pay the best possible price; and making sure that you’re not under-insured and missing out on vital cover (this can be an issue as policy conditions are so complex nowadays).

If you review your Life Assurance policy, there might also be some nice surprises in store for you! If your lifestyle has changed, you could be eligible to reduce costs or achieve a wider scale of benefits. For example, have you given up smoking since you took out the policy? Do you do a lot of walking? Have you started going to the gym regularly? Did you know that some policies even give you a 50% discount on gym membership!! If you have improved or moved and haven’t changed your policies, then now is a great time to re-price and review.

There are many ways we can re-consider the costs and benefits that you and your family need now. Life changes and so do your needs, and building a portfolio of protection to suit your budget can reflect this. We can help with life assurance, critical or severe illness, health or income protection, private medical insurance, unemployment or illness insurance, and more. This might all sound like hard work, but we also pride ourselves on giving straightforward financial advice to make things as simple as possible!”

If you’d like to discuss your options further, Aspen Financial Services can be found at Wickham House, 2 Upper Teddington Road, Hampton Wick KT1 4DY. They can advise on a whole host of financial disciplines, and can be contacted on 020 8943 8121 or at


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