Life Cover When a bread-winner dies prematurely they can leave multiple misery behind them if the family has insufficient income. Survivors can lose their independence having to turn to parents for support. At MEDICALselect we do not guess appropriate cover. We have a calculator which enables us to establish what capital sum might be needed to offset the loss of an income. This takes into account the NHS Death in Service benefit, your savings and appropriate life cover which you may have already. The capital sum is placed on deposit and generates an income for the family. As the need for income reduces as children become independent, part of the capital can be used to give them a head start in life. If the carer in the family dies prematurely, the children will need someone to look after them to enable the bread-winner to continue a career. A temporary income can provide for this eventuality and also for the costs of education through to higher education. Life cover provides the family with an income and independence and savings are protected. Ask us to call you back here to talk about ensuring your family has the same secure standard of living in the event of your premature death