Site Archives Life Assurance

Protecting the unexpected


Peace of mind when you need it most
If you are diagnosed as having one of the specific life-threatening conditions defined in your policy, critical illness insurance pays out a tax-free lump sum, giving you peace of mind when you need it most. When you suffer from a critical illness it can seriously affect you financially [...]

The damaging effects of loosing a key person


Protecting the business against financial loss requires prior planning
In most organisations, it is possible to identify certain individuals whose contribution is particularly important. Their loss could result in the loss of profits, which could ultimately lead to the business not being able to service or repay outstanding loans, or may lead to plans being curtailed [...]

Shareholder protection


Could you retain control of your business?
When you run a business typically your main focus is directed towards the day-to-day operations and trading position, but have you ever considered the impact of a shareholder dieing or becoming seriously ill?
Shareholder or Partnership Protection is available to people who are in business with others in a limited [...]

Protecting your family’s lifestyle


Obtain the right advice for your needs
The right protection plan can protect your family’s lifestyle if your income suddenly changes due to death or illness. That’s why obtaining the right advice about the products, including the most suitable sum assured, premium, terms and payment provisions is essential. We take the time to understand your unique [...]

Inheritance tax


Is your life cover written in an appropriate trust?
Check that all your life insurance policies that will pay out on your death are “written in an appropriate trust.”This will ensure that their value passes straight to your family (or other beneficiaries), avoids your will and therefore is not liable for IHT.
This is a relatively simple [...]

Making a will


Who will your legacy end up with?
Without a will, the State directs who inherits your estate, so your friends, favourite charities and relatives may get nothing.
It is particularly important to make a will if you are not married or are not in a registered civil partnership (a legal arrangement that gives same-sex partners the same [...]