Wealth protection



Without proper tax planning, could you end up leaving a huge tax liability? In order to protect family and loved ones, it is essential to have provisions in place after you’re gone. The easiest way to prevent unnecessary tax payments such as inheritance tax is to organise your tax affairs by obtaining professional advice and […]

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Making a Will



Providing peace of mind that your loved ones can cope financially without you A Will is an essential part of your financial planning. Not only does it set out your wishes, but, die without a Will, and your estate will generally be divided according to the rules of intestacy, which may not reflect your wishes. […]

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Long-term care funding



Greater clarity on how much care in ‘old age’ may cost In his Budget speech delivered in March 2013, the Chancellor, Mr Osborne, said this was a Budget for ‘an aspiration nation’. He explained this meant ‘helping those who want to keep their homes instead of having to sell it to pay for the costs […]

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Income protection insurance



How would you pay the bills if you were sick or injured and couldn’t work? Protecting your income should be taken very seriously, given the limited government support available. How would you pay the bills if you were sick or injured and couldn’t work? Income protection insurance, formerly known as ‘permanent health insurance’, is a […]

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Critical illness cover



Choosing the right cover can help ease your financial pressures You really need to find the right peace of mind when faced with the difficulty of dealing with a critical illness. Critical illness cover is a long-term insurance policy designed to pay you a tax-free lump sum on the diagnosis of certain specified life-threatening or […]

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Whole-of-life assurance



Providing financial protection with cover that lasts for the rest of your life Whole-of-life assurance policies provide financial security for people who depend on you financially. As the name suggests, whole-of-life assurance helps you protect your loved ones financially with cover that lasts for the rest of your life. This means the insurance company will […]

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Term assurance



You can’t rely on always being there for those who depend on you It’s essential to have the right sort of life assurance in place. You can’t rely on always being there for those who depend on you. There are various ways of providing for your family in the event of your premature death, but […]

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Life assurance



Providing a financial safety net for your loved ones Whether you’re looking to provide a financial safety net for your loved ones, moving house or a first time buyer looking to arrange your mortgage life insurance – or simply wanting to add some cover to what you’ve already got – you’ll want to make sure […]

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Workplace pensions



Frequently asked questions UK employers now have a legal duty to enrol most employees into a qualifying workplace pension scheme and contribute towards their retirement following changes in the Pensions Act.

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