Protection

Our job, as Independent Financial Advisers, is to help you clarify what the financial effects will be when you or your partner die or are unable to work for a significant period of time.

Family

• Life Assurance can replace lost income and provide capital to repay debts, such as a mortgage, when someone dies, providing the surviving partner with the financial security needed in which to raise a family.
• Income Protection Cover provides for long-term replacement income if you are unable to work through accident or sickness.  Do you know how long your employer will pay you if you are off sick?

Business
If you are in business, the future ownership and prosperity of the firm can be protected in the event of a partner, director of 'key' person dying or being long-term sick.

Inheritance Tax
The effect of Inheritance Tax may be mitigated by arranging life assurance, written in trust for your beneficiaries.