We can arrange a wide range of policies to suit individual needs.  Level term assurance is a low cost means of ensuring that a guaranteed tax free sum is paid out on death of the insured individual within a specified period.  The premiums are kept as low as possible by securing only the cover required without the build up of an encashment value.  It is possible to write the single life policy in trust so that the sum assured is paid outside of the estate and the trustees can then access the funds and pay these direct to your chosen beneficiaries without being subject to inheritance tax.

A protection review will look at a number of factors such as:

• Ensuring that you have adequate income if you are unable to work through illness for an extended period
• Help in providing a lump sum in the event of a serious critical illness.  Often, this is designed to repay any debts, with income protection ensuring that you can continue to meet your outgoings
• Protecting your family on death and making certain they have the capital and income you would expect to meet their financial obligations.

Protection is primarily concerned with ensuring that cash flow is not interrupted by certain events, with this in mind it is important to look at your expenditure to analyse the level of protection benefit you would require.  It is often advisable to include critical illness when planning for life assurance to ensure that sufficient capital is available if you are diagnosed with a serious condition such as cancer and are unable to work.