Life Insurances typically pay out a lump sum on death or if you are diagnosed with a terminal illness (with less than twelve months to live).

• A Mortgage Protection policy is designed to decrease in line with a repayment mortgage so the debt is cleared on death.
• Level Term is a policy that has the same insured amount throughout the entire term of the policy. They can be used for family protection, to cover an interest only mortgage and so on.
• Whole of Life policies, as the name suggests can run throughout your entire life.
• Gift Intervivos policies are put in place to cover the Inheritance Tax liability on gifts.

As Independent Financial Advisers we can look at the whole market and choose the product which best suits your needs. We will also choose the insurer that is suitable for you.

In many cases, we will help you write the policy in Trust. Amongst various other benefits this can ensure a swift payment in the event of a claim and keeps the payment out of the estate for Inheritance Tax Purposes.