Your needs for life insurance and ill health insurance are likely to change throughout your life.
Parents with young children have the greatest needs for insurance to ensure they can pay off debt and provide for children and other dependents if the unexpected happens. While comprehensive protection may be desirable, it can be expensive. Since most people have competing priorities such as saving for holidays, university fees and more, we aim to find a solution that fits your situation, using a mixture of term life assurance, family income benefit, critical illness and income protection insurance policies.
For older people, life assurance can be a way to make sure your family receive assured payments after your death – payments that are outside the scope of Inheritance Tax.
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News: No interest: what can you do?
Interest rates are low and the Bank of England has signalled that it expects them to stay low for at least the rest of this year. After NS&I cut its interest rates last autumn, the commercial banks swiftly followed with rate cuts of their own. Most instant access accounts now pay under 0.2% and even a 90-day notice account pays well under 1%.
Meet the Team
Our team of financial planners have had years of experience and are on hand to help plan for your future.