Life Insurance

Have you considered how your family would cope if the worst was to happen? Making sure they are provided for in this event, means that you can get on with enjoying life, knowing they will be looked after if you are no longer around.

Life Insurance

Have you considered how your family would cope if the worst was to happen? Making sure they are provided for in this event, means that you can get on with enjoying life, knowing they will be looked after if you are no longer around.

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.

Ready to talk?

 

Our financial advisers are here to help. To arrange an independent review, email us below or contact the team on 01803 652030.

 

Ready to talk?

 

Our financial advisers are here to help. To arrange an independent review, email us below or contact the team on 01803 652030.

 

Regulated by

Pavey Group Financial Services Limited is authorised and regulated by the Financial Conduct Authority Registration No. 463257. Registered in England No. 3418320. Registered address: 50 The Terrace, Torquay, TQ1 1DD.

Office

Minerva House
Orchard Way
Edginswell Park
Torquay
TQ2 7FA

Tel: 01803 652 030

IFA

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