The sum insured
Is it enough to do the job, and not so large that you are insuring a lifestyle you do not have?
Cover, explained
Family Protection
Families rarely need eight unrelated policies bought on different afternoons. Family protection at BFDLife is a planning session. We map who earns, who cares for children or older relatives, what the home loan looks like, and which covers would duplicate each other. The result is a short list: sometimes a joint life plan, a contents policy, and a health excess you can actually pay.
- Household map of income, care, and debts
- Beneficiary and guardian notes you can share with a solicitor
- A single renewal calendar so nothing lapses quietly
- Advice on what not to buy
Before you buy
Special points we want you to notice
The most useful sentence we hear is “we do not know where to start.” That is a good place. We will not fill the gap with every optional extra. We will show the losses that would change your month, and the losses you can budget for yourselves. Couples who keep finances separate can still be insured together or apart. We will draw both shapes.
Nothing on this page starts a policy. Cover begins only on the date printed on a schedule, after you have accepted it and any first contribution has been paid. If a sentence here disagrees with that schedule, the schedule wins.
Good to know
What people check before they accept
The excess
Could you pay it next month without borrowing? A lower contribution is not a saving if the excess is fantasy.
The exclusions
Read them while nothing is wrong. Ask us to restate any sentence that still feels slippery.
The claims path
Know the mailbox, the photographs you would take, and who in the household can write to us.
Our promise is to make complex insurance language readable, to answer claim questions in writing, and to show the price of cover before you commit.
Every illustration separates the insurance contribution from taxes or fees that must be added. If a number on our pricing page is only an example, we say so.
You will know what we still need from you, why a decision is waiting, and where to write if you disagree. The claims desk is claims@bfdwinery.com.
Advisors are asked to list what they recommended and what they deliberately left out. That note belongs to you.