Protecting your family
Whilst most of us recognize the need for insurance to repay mortgages or other loans on death or in the event of serious illness, our comprehensive review service is designed to ensure that your arrangements provide everything that is needed to secure you family’s future if the worst should happen.
We review existing arrangements for suitability and price and have access to Independent Trading platforms to secure the lowest premium is being paid for the appropriate levels of cover
Services Offered:
- Analysis of protection needs
- Review of existing policies
- Life Assurance
- Critical Illness Cover
- Income Protection for long term illness
- Advice on the use of trusts
Protecting your business
In the same way as families require protection, businesses also need to plan for the worst case scenario. This might be the death or incapacity of an employee key to profitable trading or covering business borrowing that buys your business some breathing space. For limited companies and partnerships, planning a tidy succession and compensating the estate of the deceased can often be achieved cost-effectively with the right type of insurance.
Services Offered
- Keyperson cover
- Shareholder protection
- Partnership policies
- Life Assurance and Critical Illness Cover
- Income Protection for employees
- Advice on the use of trusts
Solutions for later life
The need for insurance does not automatically disappear when we retire and for many their remains a need to find a cost-effective means to provide for loved ones in the event of death whenever that occurs. Protecting your beneficiaries from a large Inheritance Tax Bill is another area where insurance has a role to plan.
Services Offered
- Whole of Life Assurance
- Gift Inter-vivos
- Advice on the use trusts