Family Protection
Whatever your longer term objectives it is vital that proper consideration be given to protecting against the financial impact of long term ill health and premature death. We take the time to understand exactly what the effect on your immediate and longer term financial position would be and then assess the adequacy and suitability of any existing provision.
As well as advising on suitable policy types, levels and terms of cover, we also advise you on the most tax efficient ways of structuring benefits. With more couples deciding against a marriage or civil partnership there is an increasing need to consider the tax position. A full understanding of tax and trust legislation is vital to ensure that your beneficiaries do not suffer as a result of tax deductions.
As well as protecting the main earner it is important that consideration also be given to protecting anyone with home responsibilities since there will be financial implications should external help be required (for example child care costs).
We look at various solutions including
- Life Assurance
- Income Protection
- Critical Illness
- Health Insurance
- Long Term Care
