MISSION STATEMENT:
“With over 15 years experience, ISM Financial Management has built an excellent reputation for providing quality advice and ongoing client care which are of utmost importance to our business.”
Accidents, Sickness and Unemployment Insurance
In today’s financial climate it is seriously worth considering how you would fund your mortgage instalments.
Accident, Sickness and Unemployment insurance is designed to cover the cost of your mortgage payment and associated insurances if you were not able to work due to sickness, injury or unemployment.

Benefits under an ASU policy are tax free and are usually payable for 12 months (24 in some cases) to give you time to get back on your feet after illness or injury or to find other suitable employment.

Before taking out such a policy it is important to understand what position you would be in if you were made unemployed or had a significant period off work while ill. Your employer would be able to inform you exactly what they would provide for you financially.

It is our job to then make sure that any policy to replace lost income complements what you would receive from your employer and from the state.
investment strategies
pension planning
family/business protection
tax planning
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