Inheritance Tax



Leave your money for your family, not the taxman There are many things to consider when looking to protect your family and your home. Protecting your estate is ultimately about securing more of your wealth for your loved ones and planning for what will happen after your death to make the lives of your loved […]

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Power of Attorney



Planning for the unexpected A Power of Attorney is a legal document that allows you to give someone else the legal authority to act on your behalf. There are several different types of Power of Attorney. A Lasting Power of Attorney (LPA) – previously called an ‘Enduring Power of Attorney’ – allows your attorneys to make […]

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Making a Will



An essential part of your financial planning We spend our lives working to provide for ourselves and our loved ones. You may have a house or flat (in the UK or overseas), shares, savings and investments, as well as your personal possessions. All of these assets are your ‘estate’. Making a Will ensures that when […]

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Long-term care



Finding the money for looking after us if we need care in old age With the UK’s population ageing, more people will be living with long-term care needs. Oscar Wilde once said: ‘The tragedy of old age is not that one is old, but that one is young.’ But the good news of rising life expectancy […]

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Private medical insurance



There’s nothing more important in life than your health Nothing is more important to you than your health and the health of your family. If you or your loved ones were to experience worrying symptoms, private medical insurance can offer reassurance and control at a difficult time.

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Income protection insurance



No one is immune to the risk of illness and accidents No one likes to think that something bad will happen to them, but if you couldn’t work due to a serious illness, how would you manage financially? Could you survive on savings or sick pay from work? If not, you may need some other […]

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Critical illness cover



Be prepared if life throws something unexpected your way We never think a critical illness is going to happen to us, especially when we feel fit and healthy, but it can and does. It can happen to anyone at any time, and it’s easy to feel anxious about how we would cope. But if the worst […]

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Whole-of-life insurance



A guaranteed tax-free payment whenever you die When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment strategy.

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Term life insurance



Protecting your family’s finances by covering living expenses or replacing lost income With a term life insurance policy, you choose the amount you want to be insured for and the period for which you want cover. This is the most basic type of life insurance. If you die within the term, the policy pays out […]

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Different types of life insurance



Choosing the right type of cover ‘Single life’ policies cover just one person. A ‘joint life’ policy covers two people, and you will need to decide whether the policy pays out on the first or second death, as this will determine when the policy ends.

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