Independent Financial Advice
What is an Independent Financial Adviser (IFA)?
An IFA is a professional adviser who will consider every aspect of your personal and financial situation and will give you advice that is tailored to you. If an IFA recommends a product (for example a pension or investment) he can offer you the best choice from the whole of the market.
Unlike a free guidance service or information you may find online, the advice provided by an IFA will take account of your personal circumstances and will make clear recommendations.
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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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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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Do you have a Back-Up Plan?
You may have seen the adverts on national television for Unum Income Protection.
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When it comes to insurance, isn’t it time you put yourself first?
Just think about all the things you insure as a matter of course.
For instance, more people have pet insurance than health insurance.
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How far would you get on £81.60 a week?
Unfortunately, you’d soon find out if you became too ill to work. You might be surprised to find that Statutory Sick Pay is only £81.60 a week. These days, that’s just about enough to fill up the average family car.
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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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