You may benefit from an impartial review of you life, health and income protection. We will help you assess your needs, and recommend the most appropriate and cost-effective policies.
Life insurance is reputedly sold rather than bought, and we have found that many clients have been talked into cover which is:
- Not written in trust
Our first step is always to review the cover you have in place.
You may have too much cover. It is possible you have death cover through your job and/or pension. Do you need much more?
You may be paying too much for your cover, as rates are continually changing. Many insurers, especially those who sell through tied agents may charge much more than the cheapest policies available.
Do you have death cover when you really need critical illness cover? The lifestyle changes you may have to make after having survived a serious illness can be very costly. Is your income protected if you are unable to work, or become unemployed?
There are many reasons for having life insurance in trust. For example, the sum assured can be paid out much more quickly. Perhaps most importantly, your beneficiaries avoid loss of a significant percentage of the proceeds due to inheritance tax.
Our status as Chartered Financial Planners reassures our clients that we uphold the highest standards of ethical practice, knowledge and skills.