Life Insurance Advice
Life insurance is a product to mitigate the ultimate risk – loss of life. It absorbs the impact of the risk by protecting your family financially. It is also a popular estate planning tool for high-net-worth families. We search and choose the best solution for you across the whole market of insurance products according to your personal circumstances and specific requirements.
Term Assurance
Term Assurance gives you life cover over a specific period of time (Term). If you passed away during this period, your policy pays out a lump sum. This type of cover is useful for providing financial security for your dependents before they are financially independent. If you survived the term of the policy, the policy will expire and there will be no monies payable.
Whole of Life Insurance
Whole of Life gives you cover for your entire life. You continue to pay premiums for as long as you live. When you pass away a lump sum can be used to meet your debts or can be left to your beneficiaries. It can be viewed as an effective way for succession planning. The cost of Whole of Life policy is generally more expensive than Term Assurance. There is generally no investment element to Whole of Life policy.
Our Partners for Life Insurance
We are whole-of-market life insurance broker, which allow us direct access to all these UK major insurers.
