This is heart awareness month, so we are reminded that the health of our heart, the most important organ in the body, is crucial. Just as we need to be aware of heart health, however, we also need to accept that should we become critically ill with a heart issue we can seriously erode our finances and lose all that we have worked for.

Here then are two 3-point plans for heart health and financial protection…

A 3-point plan for Heart Health

1. Lifestyle – Regular exercise, correct eating – and avoiding smoking and excessive alcohol intake, can all contribute to better heart health.
2. Regular medicals – After the age of 40, an annual medical is essential and should include an ECG, assessing the condition of the heart.
3. Active prevention – Be aware of symptoms such as chest pain, a rapid resting pulse, high blood pressure and unusual shortness of breath. As in the case of cancer, early detection and treatment can greatly reduce the chances of the disease becoming fatal.

A 3-point plan for Financial Protection

1. Dread disease cover – In the event of your suffering a critical illness, this pays out a generous lump sum to assist with what can be massive medical bills, surpassing your standard medical cover.
2. Income protection – In the event of an extended period away from work, this covers your income for a specified time.
3. Life cover – We need to accept that should the worst happen, our families need to be protected, so taking Life cover, with the greatest return of any cover should you meet an early demise, is a no-brainer.

A heart for your well-being and financial growth

For 30 years Hereford Group has been renowned for understanding that all individuals and businesses are unique, and we devise wealth creation plans accordingly. Everyone, however, can be subject to life’s unexpected turns so financial protection should always be a part of your portfolio.

Talk to a Financial Advisor today about your specific wants and needs and take care of yourselves – your health may be your business, but your financial wellness is ours!