Authorised and Regulated by the Financial Services Authority.

Life Assurance & Protection (2)
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Life cover can also be put in place as a way to help mitigate Inheritance Tax (IHT). Through effective financial planning and selecting the right type of policy it is possible to provide cover that will pay a future IHT bill, so as your family doesn’t have to. Using life assurance to provide funds for an Inheritance Tax bill can be achieved by working out what you think the eventual IHT bill might be and then insuring your life for that amount.

You may not think that IHT mitigation is applicable to your own particular circumstances, but have you thought about the value of your house? There are likely to be many individuals whose house has increased so much in value that they unwittingly fall into a category where IHT may become a factor on death.

Thankfully, there is action that you can take to help mitigate some or all of these risks through effective life assurance and protection policies.

Not only can we advise you on areas where Life Assurance and Protection should be considered, but once any gaps in protection have been identified, we can search the entire market for the cheapest cover available, whilst considering you own particular needs.

Our Service Includes:

• Analysis of the Life Assurance and Protection market to ensure that you are provided with maximum cover for the cheapest cost;

• A full review of your current Life Assurance and/or Protection policies to ensure that they are still fit for purpose and are the cheapest available, whilst still maintaining the maximum amount of cover;

• Life Assurance to pay an inheritance tax bill;

• Life Assurance to cover loosing your job;

• Life Assurance in case you become ill and cannot work;

• Life assurance to pay a lump sum on your death, to ensure that your family can continue to live in the manner for which they have become accustomed.

Products we can help you with:

• Term Assurance;

• Critical Illness Plans;

• Permanent Health Insurance (PHI);

• Endowments;

• Whole of Life Plans;

• Long Term Care;

• Key Person Insurance (KPI);

• Share Protection;

• Employee Benefits Packages.

Life Assurance and Protection is a varied and often complex area of financial planning. Whatever your requirements, contact us for a more
focussed discussion around you own personal needs.

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