While we like to think we are going to live for ever, most of have experience of losing a friend, relative or colleague to early death and feeling that it was a bit too close for comfort. None of us likes to think about our becoming seriously ill or dying young.

Of course, we cannot stop these events from happening, but as Independent Financial Advisers, we can help to give you some peace of mind. Whether you want to simply provide a lump sum for your family, protect a loan or income, we will recommend the most cost effective solution for your circumstances and we have access to a whole array of insurance contracts that are not generally available directly or through certain comparison sites.

You might have life assurance already. Who will receive the money in the unhappy event of a claim? It might not be as straightforward as you think.

We will help you to ensure that any money paid in the event of a claim is paid to the people you want to receive it, promptly and in the most tax effective way.

But having arranged your life assurance cover, who will receive the money? Of course you took the policies out to protect your family, but if they are not written in the correct way, if the life assurance companies cannot pay the claims because they have to wait for Grant of Probate, it could be months before your family receive any money. We will guide you with this at the time you take any policies out through us and we will also help ensure that any existing policies you have are also arranged correctly.

So, how will your loved ones cope financially if your income stops?

How will you cope if your loved one’s Income stops?

What would you like to do next?