Family Protection
After a thorough analysis of your financial situation we will recommend an appropriate level of cover should you be unfortunate enough to be unable to work long- term, suffer a critical illness or die prematurely.
Business Protection
In most businesses, there will be insurance policies in place to cover different eventualities. In almost any business, there will be a number of key individuals and/or shareholders who make a major contribution to its success or profitability, however, it is likely that these people are not insured in the event of death or critical illness. We are happy to discuss your Key person, Shareholder and Loan Protection needs.
Inheritance Tax Planning
Working as we do with Accountants and Solicitors, we are often asked to provide advice in this area, whether it is to establish Trusts, use Allowances or simply to arrange Life Assurance to pay a potential tax bill.
The Financial Conduct Authority does not regulate trusts and tax planning. Protection plans typically have no cash in value at any time and cover will cease at the end of the term. If premiums stop, then cover will lapse. Cover is subject to terms and conditions and may have exclusions.