Independent Wealth Management

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Category: Life assurance

Do you qualify for Simply Life?

Simply Life is a new and innovative type of Life Cover from Aegon promising a low cost and easy to understand protection product.

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How Much Life Cover Do You Need?

There are various ways of calculating how much life cover you should have. You will need to consider all of your debts, including mortgage, credit cards, car loans etc and also the ongoing monthly costs that will continue after death.

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Decreasing Term Assurance – Think Again.

If you have a repayment mortgage, it is quite likely that you protected your mortgage with a decreasing term assurance policy.

This type of plan provides protection over the term of your mortgage, with the level of cover reducing in line with your decreasing mortgage liability.

The advantage of decreasing cover, as opposed to level cover, is simply that the cost is lower.

However, this approach could turn out to be a bit short sighted and not necessarily the best type of plan for you, so please read on.

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Put Life Cover On Expenses

Are you a Company owner? If so, Relevant Life cover can work out much cheaper than a typical life assurance policy for you or your employees. In most cases the premiums are treated as an allowable business expense by HMRC which means that companies qualify for Corporation Tax relief. Furthermore, there is no additional Income Tax or National Insurance to pay either.

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Cappuccino, americano, skinny latte, espresso or £40000 of cover?

Before you know where you are the odd little treat, like your favourite coffee, can soon become a daily routine.  Read more.

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Gender Ruling

Today, 1st March 2011, the unimaginable has happened. The European Court of Justice has ruled that Insurers cannot charge different premiums to men and women. The effects of this ruling will be far reaching and will take effect from 21st December 2012.

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Are you over 50? Have you had trouble getting life cover?

You may have seen or heard adverts for life cover for over 50’s. Let me start by saying that these types of plans are not always the best value option for you. However for some, they are precisely what you need.

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Life Assurance in Trust

When you take out a Life Assurance policy, you will usually have the option of placing it into a Trust. This is often overlooked by policy holders and unfortunately sometimes by advisers.

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Company Funded Life Cover

How would you like to have your Company pay for your life cover? If you are a Company owner, you could set up a life assurance policy that is funded by your Company.  The monthly premiums will usually be treated as a company expense and claims will be tax free.

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The cost of Life Cover

When taking out life cover, cost is inevitably an important consideration. Most people I meet have no idea of how much life cover they can afford. This lack of knowledge generally results in putting off this very important aspect of financial planning.

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Blog Categories

Pensions

Planning for retirement, your options, review your plans...

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Investments

Investing your capital for tax efficient growth or income...

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Protection

Protect your family, life assurance, critical illness, income protection...

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When my wife and I were looking for advice on retirement financial planning a few years ago, Barry was recommended to us by another IFA, who no longer provided that type of advice. Over the last few years, Barry has provided us with very good financial planning advice, tailored to our particular needs and attitudes to financial risk. He contacts us regularly to update us with the latest information and to see if our needs have changed but leaves the final decisions to us, i.e. he does not try to push a particular financial product or company. We have been very pleased with his advice to date and look forward to continuing our association with him.

Mr K.T.

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